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India’s MSME sector, comprising over 63 million enterprises, forms the economic backbone of the country, contributing nearly 30% to the country's GDP and employing more than 110 million people. Yet, access to formal credit remains a significant hurdle, with a $530 billion credit gap. As traditional lenders struggle with legacy systems and rigid underwriting models, fintechs have stepped up, using technology to bridge this divide with speed, agility, and data-driven insights. Here are five fintech companies playing a pivotal role in enabling MSMEs to scale and thrive by redefining access to credit. 1. Biz2X: Powering the future of digital lending Biz2X, the digital lending arm of Biz2Credit, enables financial institutions to transform how they serve MSMEs through a powerful white-labeled SaaS solution. Designed to automate and streamline the entire lending cycle, Biz2X offers an end-to-end suite covering CRM, Loan Origination Systems (LOS), Loan Management Systems (LMS), Business Rule Engines (BRE), Portfolio Monitoring, and Collections. The platform leverages advanced AI and real-time analytics to deliver faster, smarter, and more inclusive credit decisions, especially for underbanked MSMEs. Key products like DigiKred, Maadhyam, and LMS enable a fully digital journey from loan origination to post-disbursal management. Innovations such as BizBot, Bank Statement Analyzer, Digital Site Visits, and the Biz Analyzer Score further empower institutions to evaluate creditworthiness beyond traditional collateral-based models. With its AI-powered automation and focus on digital transformation, Biz2X is helping financial institutions unlock growth, improve operational efficiency, and expand access to credit for India’s vast MSME sector. 2. Lendingkart: Bridging the Working Capital Gap for Small Businesses Lendingkart focuses on collateral-free working capital loans for small businesses across India. By analyzing over 5,000 data points, including GST filings, digital payments, and transactional history, the platform makes credit decisions swiftly, often disbursing funds within 72 hours. Lendingkart’s reach into Tier 2 and 3 cities underscores its commitment to inclusive credit access. 3. Indifi: Sector-Specific Lending for the Underserved Indifi takes a unique approach by offering tailored loan products for MSMEs across sectors like retail, travel, restaurants, and e-commerce. Through its partnerships with digital platforms (like Amazon, Zomato, and MakeMyTrip), it taps into transactional data to assess creditworthiness and structure loans aligned to specific business models. 4. FlexiLoans: Speed Meets Flexibility for MSME Borrowers With a mission to offer fast and flexible funding, FlexiLoans delivers unsecured loans through a completely online application and approval process. The fintech uses alternate data from supply chains, POS systems, and digital wallets to create a dynamic risk model, enabling it to serve micro and small enterprises often ignored by large lenders. 5. KredX: Unlocking Working Capital Through Invoice Discounting KredX offers an alternative form of credit through invoice discounting, enabling MSMEs to unlock tied-up working capital by selling unpaid invoices. Its tech platform connects businesses with institutional investors and banks, facilitating liquidity without adding debt. KredX also recently entered into supply chain finance and embedded finance to broaden MSME access. Final Word As India sharpens its focus on economic resilience and inclusive growth, MSMEs are poised to play an even greater role. Fintechs like these are not just closing the credit gap, they are rewriting the rules of how small businesses grow, thrive, and contribute to the digital economy. The synergy between tech innovation and financial inclusion may well define the next chapter in India’s MSME growth story.
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