SME loans, run with discipline.
Term loans and revolving facilities for small businesses — with directors KYC, financial statement intake, and rule-based underwriting.
- Term loans 3-60 months
- Revolving lines with draw + repay
- Directors and beneficial-owner KYC
- Financial statement intake + ratio checks
What lenders in this space tell us.
Businesses aren't individuals
A business loan touches the entity, the directors, the guarantors, and often the parent company. Each needs its own record.
Financials are unstructured
P&Ls and balance sheets arrive as PDFs or photos. Pulling ratios out of them eats officer time.
Approval flows get political
Larger SME loans need committee review. Without a structured workflow, decisions get lost in WhatsApp.
Everything you need to run this product line.
Business entity records
Capture business registration number, year of operation, sector, and primary trading address per loan.
Directors + beneficial owners
Each business carries its directors and 25%+ beneficial owners with separate KYC.
Financial statement intake
Upload P&L and balance sheet; auto-extract key ratios like current ratio, debt service coverage, and gross margin.
Rule-based pre-approval
Set hard rules: min revenue, max DSCR, min trading months. Borrowers who fail are screened out automatically.
Approval committees
Multi-stage approval chains — officer, head of credit, committee — with sign-off recorded against each stage.
Renewal management
Performing borrowers flagged for renewal review 30 days before maturity, with prior history attached.
SME lending without the spreadsheet drag.
Configure products, financials intake, and your approval flow — go live with SME lending in a week.