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.

We enable efficient lending & financing through our services
We enable efficient lending & financing through our services

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.
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
Techno Economic Viability(TEV) Report
TEV is a Risk Mitigation task by Lenders before lending decisions to understand the risks inherent in any financing / investments in project. A TEV provides appraisal of technological parameters of a project and its impact on the financial viability of projects considering analysis of market risk, regulatory risk and also financial risk.
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
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
(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