MSME Finance

  • MSME stands for micro, small and medium enterprises, sometimes it is also shortened to SME for small and medium enterprises.
  • Our MSME / SME Finance can be used for a number of purposes. You can either use them to expand your operations also help you in balancing your company capital through short-term investments that can be easily repaid. As MSME Finance are unsecured MSME / SME finance, there are some minimum eligibility requirements in order to reduce the risk for lenders.

We use financial data analytics to calculate the best available interest rates for your enterprise. Hence the rate you get is fair and as per your business’s ability to repay the MSME / SME finance.
Under the recent notification of Government of India, any company with a T/O under 250/50/10cr is called a mini, small and micro enterprises respectively. Government of India provides a certificate called UDYAM Aadhar which enables banks to treat such companies favourably as priority section exposure.
Artfine approaches MSME for financing through supply chain and focuses on long tail (small) supplies and delivers who do not get covered by corporates regular SCF program.

What is in it for?

Dealers

  1. Collateral free working capital solution.
  2. Accessing wider network of investors can reduce pricing.

Anchors

  1. Balance sheet management by early realisation of receivables.
  2. Off balance sheet funding helps reduce bank debt.
  3. Risk management of lower rated debtors.

Lenders

  1. End use is known – to pay the Anchor.
  2. Past history is available and hence limits are based on experience.
  3. Portfolio effect – the loans are spread over many borrowers. First loss guarantees can improve this further.

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