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SME Loans

SME Loans

If you offer Terms Loans to Small and Medium Enterprises you need an application that can evaluate the overall drawing Power and the current exposure of the institution to the corporate and in addition evaluate the individuals behind the venture. 

 

What is SME Loans?

SME (Small and Medium Enterprises) or MSME (Micro Small and Medium Enterprises) Loans are offered to enterprises whose capital is less than Indian Rupees 500 million. The classification of enterprises is as follows

  • Micro Enterprises - Investment in Plant and Machinery does not exceed Indian Rupees Ten Million
  • Small Enterprises - Investment in Plant and Machinery does not exceed Indian Rupees One Hundred Million and Turnover does not exceed Indian Rupees Five Hundred Million
  • Medium Enterprises -  Investment in Plant and Machinery does not exceed Indian Rupees Five Hundred Million and Turnover does not exceed Indian Rupees Two and Half Billion

 

Loans can be extended as asset backed loans, Export based credit or financing for a fleet of vehicles.

 

AnyBank Suite and SME Loans

Depending on the facilities provided by the institution the AB Suite is equipped to handle modern day functions with a processing speed and scale that's unmatched in the industry today. AB Suite facilitates a smooth process.

  • Business Process Management (BPM) workflows to increase processing throughput
  • It maintains various Interbank offer rates like LIBOR and MIBOR so that the applicable rate can be chosen at the time the contract is being executed. Rates can be updated on a daily basis with no limit on the maintenance of historical rates.
  • AB Suite tracks a customers exposure across all avatars (as a company and as an individual)
  • Rule Engine based limit monitoring triggers events when limits are breached and warning signals are logged.
  • A comprehensive charge based module allows bankers to structure fees and charges like Arranger Fee, Upfront Fee, Management Fee, Handling and Processing Charges, Out of Pocket Expenses and Legal Expenses as a flat rate or as a band rate or as a slab rate with minimum amount due.
  • A comprehensive document generation feature allows generation of letters and forms
  • A comprehensive document management feature allows uploading of external documents for the client and the against the facility.

Features to Reinvent Your SME Functions

Fascinating loan features that can improve customer delight.

CRM
  • Customer Constitutions
  • Bulk Upload
  • Geo Tagging
  • Campaign manager Integrations
  • Sales Dashboards
  • Lead Tracker
Origination
  • Document Management
  • Eligibitliy Norms
  • Credit Norms
  • Scoring
  • CPC or Branch configuration
  • Dedupe and Risk Management
Underwriting
  • Exhaustive Rule Repository
  • Automatic Credit Bureau Check
  • Automatic Ratios
  • Multiple Repayments
  • Field Investigations
  • CAM Report
Lending and Repayment
  • Tranche based Lending
  • Vault Management
  • Repayment Management
  • Loan Management
Financial Accounting
  • Charge Management
  • Accounting Template
  • Bank, Cash and Journal Vouchers
  • Trial Balance
  • Balance Sheet
Delinquency Management
  • Agencies 
  • Call Log
  • Visit Log
  • Receipt Books
  • Securitization

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About

Sastra Technologies is a technology firm that serves new age Fintech companies, Small Finance Banks, payment Banks, Banks, Non-Banking Financial Companies and Financial Institutions. Our philosophy is to develop products that are cost effective so that our clients derive value using them. For the last 7 years we have done so by embracing cloud technologies and developing unique capabilities that allow us to offer a value proposition that is unmatched in the industry today.