Helping SMEs Grow
Building Trust, Promoting Transparency &
Facilitating Lending Decisions
4800 +
Rated Entities
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Industry Clusters
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Districts
4800 +
Rated Entities
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Industry Clusters
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Districts
64 Mn Indian SMEs employ 111 Mn people & contribute 52% of exports.
Yet, funding remains an issue.
64 Mn Indian SMEs employ 111 Mn people & contribute 52% of exports.
Yet, funding remains an issue.
SMEs' Challenges
– High-interest rates
– Lack of collaterals for borrowing
– Lenders’ low confidence
– Delays in receivable management
– Inappropriate comparison with large companies
Bankers' Challenges
– Information asymmetry
– Lack of quality financial statements
– Low capital base of SMEs
– Few appropriate credit models
– High cost of appraisal, credit monitoring & origination
SMEs' Challenges
– High-interest rates
– Lack of collaterals for borrowing
– Lenders’ low confidence
– Delays in receivable management
– Inappropriate comparison with large companies
Bankers' Challenges
– Information asymmetry
– Lack of quality financial statements
– Low capital base of SMEs
– Few appropriate credit models
– High cost of appraisal, credit monitoring & origination
SMERA, the world’s first SME-focused rating agency, bridges this gap.
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