Synopsis: In today’s blog, we will elaborate on the framework of 5Cs, which lenders utilize to evaluate the creditworthiness and strength of a borrower’s profile. Lenders, including banks and NBFCs, carry out extensive credit analysis before sanctioning loans to minimize... View Article
Synopsis: As opposed to asset-backed credit, MSMEs can avail of loans based on expected cash flows. In today’s blog, we will untangle what cash flow-based lending is and why it is gaining traction among lenders and MSMEs. Years of mandated... View Article
Synopsis: When armed with a solid credit history and repayment capacity, it makes sense to opt for a Loan against Residential Property amongst all secured loan options. In today’s article, we explain what a loan against residential property is and the... View Article
Synopsis: In today’s article, we will discuss how the new-age FinTech companies are revolutionizing the financial sector through Banking as a Service (BaaS) and its implications for the incumbent traditional retail banks. Innovation in technology and the development of new... View Article
Synopsis: Banks and NBFCs are heavily reliant on Direct Selling Agents (DSAs) for scaling their distribution network without breaking the bank, literally. Below, we spotlight the vital role played by DSAs and how their operations can be augmented further. With... View Article
Synopsis: In short-term loans, the repayment tenure is less than two years, whereas, in long-term, the repayment tenure is more than three years. Continue reading as we explore more about the two types of loans. No matter how well a... View Article