Specialized Services for SME Ecosystem

SMERA Rating

An independent and unbiased opinion of an enterprise’s creditworthiness.

 

SMERA Rating is based on rigorous assessments of business & financial risks and management evaluation. The rating is done on a scale of 1 (highest) to 8 (lowest).

MySMELoan

Connects SMEs to Bankers to facilitate loans

MSMEs can list their business for free on the MySMELoan Portal. The listing can be viewed by bankers & financial institutions across India, providing easier access to finances for the MSME.

SMERA Terminal

A fintech platform connecting bankers & SMEs to facilitate loans

A dynamic and interactive platform aimed at having a repository of MSMEs’ information, facilitate funding and decision making.

our-services-img-1

We enable efficient lending & financing through our services

We enable efficient lending & financing through our services

our-services-img-1

SME Credit Rating

An independent & unbiased opinion of an entity’s creditworthiness

SME Credit Rating is based on rigorous assessments of business & financial risks and management evaluation. The rating is done on a scale of 1 (highest) to 8 (lowest). 

SMERA Trust Seal

A thorough fact check to validate an entity’s parameters

The SMERA Trust Seal Report accounts the financial documents, site visits and management discussions which helps to physically verify and authenticate an entity’s claims. 

SMERA
Terminal

A fintech platform connecting bankers & SMEs to facilitate loans

A dynamic and interactive platform aimed at having a repository of SMEs’ information, facilitate funding and decision making.

MFI Grading

Microfinance Institution (MFI) grading

MFI grading is a comprehensive assessment of the financial and business performance of an MFI to provide an opinion on the MFI’s capacity to carry out its operations in a sustainable manner.

COCA Grading

The Code of Conduct Assessment (COCA)

The Code of Conduct Assessment (COCA) of an MFI evaluates its adherence to various code of conduct parameters laid down by industry associations of MFIs

Real Estate Developer and Project Gradings

SMERA’s Real Estate Developer and Project Gradings are an independent evaluation of the real estate Developer and/or Project by assessing their track record, timely delivery, quality and credibility thereby Boosting the confidence of lenders and buyers

Non Banking Financial Companies (NBFC) Grading

NBFC grading is an extensive assessment of the business and financial performance of an NBFC and provide the relative capability of the NBFC to manage its operations in a sustainable manner.

BEE Energy Efficiency (EE) Project Grading

Non Banking Financial Companies (NBFC) Grading’ service

SMERA has been mandated by The Bureau of Energy Efficiency (BEE) for grading Energy Efficiency (EE) Projects. EE project grading facilitates the financing of these projects by establishing confidence among financial institutions in the technical and financial criteria of EE projects through a holistic grading methodology.

SME Credit
Rating

An independent & unbiased opinion of an entity’s creditworthiness

SME Credit Rating is based on rigorous assessments of business & financial risks and management evaluation. The rating is done on a scale of 1 (highest) to 8 (lowest). 

SMERA Trust Seal

A thorough fact check to validate an entity’s parameters

The SMERA Trust Seal Report accounts the financial documents, site visits and management discussions which helps to physically verify and authenticate an entity’s claims. 

SMERA
Terminal

A fintech platform connecting bankers & SMEs to facilitate loans

A dynamic and interactive platform aimed at having a repository of SMEs’ information, facilitating funding and decision making.

MFI Grading

Microfinance Institution (MFI) grading

MFI grading is a comprehensive assessment of the financial and business performance of an MFI to provide an opinion on the MFI’s capacity to carry out its operations in a sustainable manner.

COCA Grading

The Code of Conduct Assessment
(COCA)

The Code of Conduct Assessment (COCA) of an MFI evaluates its adherence to various code of conduct parameters laid down by industry associations of MFIs

Real Estate Developer and Project Gradings

SMERA’s Real Estate Developer and Project Gradings are an independent evaluation of the real estate Developer and/or Project by assessing their track record, timely delivery, quality and credibility thereby Boosting the confidence of lenders and buyers

Non Banking Financial Companies (NBFC) Grading

NBFC grading is an extensive assessment of the business and financial performance of an NBFC and provide the relative capability of the NBFC to manage its operations in a sustainable manner.

BEE Energy Efficiency
(EE) Project Grading

SMERA has been mandated by The Bureau of Energy Efficiency (BEE) for grading Energy Efficiency (EE) Projects. EE project grading facilitates the financing of these projects by establishing confidence among financial institutions in the technical and financial criteria of EE projects through a holistic grading methodology.

Solar Grading for Renewable Energy Companies

SMERA’s solar grading reflects “the performance capability and financial strength of the solar company to undertake solar power projects for rooftop/on-grid Solar PV applications.”