Unlocking the ₹30L Crore MSME lending opportunity.
Real-time, verified business transaction data — enabling better lending decisions, faster disbursement, reduced NPAs, and a fundamentally new approach to MSME credit.
The problem isn't willingness — it's information.
India's financial institutions know the MSME market is massive and underserved. They just don't have the data to lend safely.
Information asymmetry
Financial statements are late, unreliable, or "managed" for tax. Balance sheets don't reflect reality.
Collateral dependence
Without data, banks default to collateral-based lending. Micro-enterprises simply can't qualify.
Processing delays
Slow, cumbersome origination — frustrating for borrowers and costly for lenders.
High processing costs
Field visits, document checks, manual underwriting — the cost per loan often exceeds the margin.
High interest rates
Without verified data, institutions price conservatively. Capital becomes expensive and inaccessible.
High NPAs
Without real-time monitoring, deterioration is only detected once it's too late.
Move beyond CIBIL.
Traditional scores tell you about past borrowing. Avnee Score tells you about actual business operations — in real time.
- Revenue patterns — actual sales, not projections.
- Cost structure — margins and expense ratios from real transactions.
- Payment reliability — how consistently suppliers, employees and lenders get paid.
- Cash-flow timing — seasonal patterns, working capital cycles.
- Compliance & growth — GST, PF, ESI status and trajectory.
Transform MSME lending.
Reduced NPAs
Spot deterioration weeks or months before default. Revenue falling, payments slipping, cash tightening — signals emerge from live data.
Faster disbursement
No documents. No field visits. Origination from weeks to seconds. Processing costs — gone.
Better risk pricing
Granular, real-time data lets you price risk precisely — not by broad category averages.
Continuous monitoring
Real-time portfolio health. Alerts on stress signals. Intervene early — before defaults happen.
Verified, not self-reported
Dual-party verification ensures invoices match purchases, payments confirmed by both sides.
New product opportunities
Invoice discounting, inventory financing, seasonal credit lines that auto-adjust to cycles.
Integrate Avnee in four steps.
Onboard to Avnee Capital
Register as a lending partner. Define criteria, rates, products and risk appetite. Your products appear to qualifying businesses.
Access verified data
With borrower consent, review their complete Avnee Score and operational data — revenue, expenses, payments, cash flow.
Make data-driven decisions
Clean time-series transaction data flows into your underwriting models — inputs financial statements alone can't provide.
Monitor in real time
After disbursement, continue watching the borrower's health. Receive alerts. Act early on warning signals.