Sanctioning a loan without adequate information can be a RISK.
We help you make an informed decision.

Sanctioning a loan without adequate information can be a RISK.
We help you make an informed decision.

How Bankers benefit?

We help to reduce information asymmetry about SMEs

Rigorous Methodology for Risk Assessment

We conduct an in-depth review of mandatory financial reports and statements, which ensures that you get an accurate opinion of an SME’s creditworthiness.

Independent Third-Party Evaluation

Our rating methodology is based on thorough research and expert opinion of independent, unbiased professionals, ensuring the authenticity of the evaluation.

Risk-Based Pricing of Bank Facilities

We provide a dynamic health check of SMEs to help you understand the risk profile and probability of default.

Opportunity Identification

With SMERA terminal, you can access credit data & loan requirements of rated SMEs. This facilitates identification of prospective customers based on risk profiles. 

Have potential borrowers but need more information on their creditworthiness?

Refer them to one of our solutions

SME Credit Rating

An independent and unbiased opinion of creditworthiness
✔ Assessment of business and financial risks 
✔ Specialized rating scale in relation with other SMEs

Credit Due Diligence

Independent fact-check of important parameters
✔ Includes site-visits & management discussions 
✔ Facilitates credit rating processes

SMERA Terminal

Connects SMEs with bankers to facilitate loans
✔ Get a Free Listing
✔ Make your business visible to bankers

Many leading banks and financial institutions have already signed MOUs with us

Join SMERA Banker's Terminal

Get updated & unbiased information about MSMEs and make an informed decision about your loan sanction