Question 1

Can we support both term loans and working-capital (OD/CC) products for MSMEs?

Accepted Answer

Yes. Term loans, cash-credit-style revolving limits, invoice-backed facilities, and hybrid structures (term + OD) can run as separate products with their own appraisal templates, document checklists, and disbursement rules. Limit renewal, drawing power recalculation, and stock/BD statements for WC lines are built into servicing workflows.

Question 2

Does it integrate financial statement analysis into credit appraisal?

Accepted Answer

Yes. BPM workflows can include CA-certified financial upload, ratio computation (DSCR, TOL/TNW, turnover trends), and scorecard-based recommendations before sanction. Credit managers see a consolidated appraisal view — bureau, banking, GST/ITR where integrated, and qualitative field investigation notes — so MSME underwriting is documented end-to-end.

Question 3

How does the platform handle collateral — property, machinery, and hypothecation?

Accepted Answer

Each facility can tag movable or immovable collateral with valuation dates, LTV caps, and insurance tracking. Charge creation, modification, and release checkpoints can be configured in the approval flow. For unsecured MSME programs, collateral modules can be disabled while still capturing personal guarantees and Udyam registration details.

Question 4

Can we configure sector-specific MSME programs (manufacturing, services, trader)?

Accepted Answer

Yes. Product masters support sector codes, ticket-size bands, and policy exceptions by industry. A trader WC program and a manufacturing term-loan program can have different document sets, tenure caps, and pricing grids — deployed through BPM without code changes, typically within days of policy sign-off.

Question 5

Does it support co-lending or BC/DSA sourcing for MSME loans?

Accepted Answer

Yes. Partner-sourced leads carry originator attribution through disbursement and collections. Co-lending splits (if applicable), commission accruals, and partner portfolio quality dashboards help you monitor channel performance. Field investigation and document collection can be assigned to partner users with restricted access.

Question 6

How are post-disbursement reviews and annual renewals managed for WC limits?

Accepted Answer

The system triggers annual review tasks based on limit expiry, account conduct, or policy rules. Relationship managers receive renewal checklists — updated financials, stock statements, site visit — before limit extension. Non-compliance can auto-block further drawdowns while existing balances continue on standard collection tracks.

Question 7

Is GST, Udyam, and KYC compliance built into MSME onboarding?

Accepted Answer

Workflows can mandate Udyam registration capture, GSTIN verification where available, and CKYC/eKYC steps before sanction. Document expiry (KYC refresh, insurance, financial statements) generates alerts so MSME portfolios stay compliant with your internal policy and regulator expectations.

Question 8

What collection and NPA tools are available for MSME portfolios?

Accepted Answer

Delinquency buckets, restructuring/rescheduling, SARFAESI stage tracking (where applicable), and field collection app integration are supported. MSME relationship managers get unified views of all facilities per borrower — term plus WC — so collection strategy reflects total exposure, not isolated accounts.

MSME / Business Loan Software

overview - Best Business Loan Lending Software

Streamline loans with our software solutions

Key Features

Purpose-Built for MSME / Business Loan Software Lenders

Companies like "Au Financiers" grew to a size of 3500 crore on our software

Managed Loan Count

Managed Loans Worth

Lender Clients

Business / MSME Clients

Frequently Asked Questions