SME rating

Helping SMEs Grow

Building Trust, Promoting Transparency &
Facilitating Lending Decisions

SME rating
4800 +
Rated Entities
+
Industry Clusters
+
Districts
4800 +
Rated Entities
+
Industry Clusters
+
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 these gaps.

Want to Know More?

SMERA, the world’s first SME rating agency, bridges these gaps.

Want to Know More?