SME & MSME Lending
Digitize credit for small and medium enterprises. Verified business data, intelligent underwriting, and automated execution for the SME lending market.
Lending built for small business
Every stage validates the business and its data for confident SME decisions.
Business KYC — Verify the SME with Scofit KYB entity checks.
GSTIN — Validate GST registration and business activity.
Udyam — Confirm Udyam and MSME classification.
Director Checks — Validate directors and DIN from MCA records.
Bank Statement — Analyze business cash-flow through Scofit Intelligence.
Credit — Pull business credit and bureau data via Credit Intelligence.
Underwrite — Automated SME lending decisions through Underwrite.
Disburse — Automated disbursement via Scofit Execute.
Collect — Scheduled and recovery collections with Scofit Collect.
An SME-specific modular stack
Credit access for the engine of the economy
SMEs are the backbone of the Indian economy, yet access to formal credit remains constrained. Thin credit histories and documentation gaps leave many viable businesses underserved.
Scofit solves this by unlocking alternate data. Bank statement analysis, GST and GSTIN signals, and Udyam records paint a complete picture of business health beyond traditional bureau data.
With Scofit, lenders can underwrite SMEs that conventional models would decline — using real cash-flow evidence instead of blanket rules.
The result is broader financial inclusion for small business, and a growing, well-managed SME loan book for lenders.
Plot No. 260, Scheme No. 54, PU4, Behind Malhar Mall, Indore, Madhya Pradesh 452001