Most loan recovery software is built to act once an account crosses 90 days overdue. By then, the Non-Performing Asset (NPA) classification is formalised, and provisions have been raised. The window for productive intervention has effectively closed. Finezza works with NBFCs and banks on exactly this problem: the signals worth acting on appear well before […]
How Credit Underwriting Software Reduces MSME Defaults
Credit underwriting software reduces MSME defaults by replacing static, backwards-looking credit inputs with current financial data, bank statements, Goods and Services Tax Network (GSTN) filings, and multi-bureau queries that reveal a borrower’s actual repayment capacity at the point of origination. Platforms like Finezza integrate these data sources into a single assessment workflow, applying consistent scoring […]
Why MSME Borrowers With Clean P&Ls Still Default Despite Credit Underwriting
A small manufacturer in Coimbatore, supplying auto components to two large industrial buyers, applies for a working capital loan. The Profit and Loss (P&L) statement shows consistent revenue growth over three years. The balance sheet looks stable. The promoter’s credit score is above 700. The credit manager approves the loan. Eight months later, the account […]
How Lenders Can Leverage Government Schemes for MSME Loans in 2025
The MSME sector has long been the beating heart of the Indian economy, contributing over 30% to GDP and accounting for almost half of the country’s exports. However, despite these impressive figures, access to formal credit is one of the greatest barriers for MSMEs, specifically the micro and small levels. The Indian government has steadily […]
Future of P2P Lending and Its Direct Impact on Loan Origination Systems
Peer-to-peer (P2P) lending became a global phenomenon after the 2008 financial crash, emerging as a reliable alternative to traditional financial institutions including banks. While P2P lending businesses started entering the Indian market in 2014, it wasn’t until 2017 when the Reserve Bank of India (RBI) issued guidelines suggesting that all P2P service providers must be […]
Why Is Supply Chain Financing a Lifeline for SMEs in Difficult Times?
In recent decades, small and medium-sized (SME) enterprises have become more prevalent in global supply chains because of globalisation. However, the Covid-19 crisis has exposed them to the perils of transnational shocks and liquidity crisis. In the tumultuous post-Pandemic economic climate, Supply Chain Financing as a financing option for SMEs has witnessed tremendous growth. It […]