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Seamless Digital Onboarding for Financial Institutions

SME Banking

Complete Digital Banking for

Small & Medium Enterprises

Purpose-built banking and lending infrastructure for SMEs — with cash flow-based credit assessment, automated decisioning, and digital-first business banking experiences

Seamless Digital Onboarding for Financial Institutions

SME Banking

Complete Digital Banking for

Small & Medium Enterprises

Purpose-built banking and lending infrastructure for SMEs — with cash flow-based credit assessment, automated decisioning, and digital-first business banking experiences

Features

Features

What's Included

Cash Flow-Based Lending

Assess SME creditworthiness using bank statement analysis, GST data, Account Aggregator insights, and transaction patterns instead of traditional collateral.

Business Account Opening

Digital current account and savings account opening for businesses with automated KYB (Know Your Business) verification and director/signatory validation.

Business Account Opening

Digital current account and savings account opening for businesses with automated KYB (Know Your Business) verification and director/signatory validation.

Business Account Opening

Digital current account and savings account opening for businesses with automated KYB (Know Your Business) verification and director/signatory validation.

GST & Financial Analysis

Automated GST return analysis, financial statement processing, and income estimation for accurate SME credit assessment.

Relationship Management

Digital tools for relationship managers to manage SME portfolios, track interactions, and identify cross-sell opportunities.

Working Capital Products

Configurable working capital loans, invoice financing, overdraft facilities, and supply chain finance with automated renewal and limit management.

Portfolio Monitoring

Real-time SME portfolio analytics with early warning systems, risk migration tracking, and automated collection triggers.

Capabilities

SME Banking Capabilities

Cash Flow Analysis

GST Integration

KYB Verification

Account Aggregator

Invoice Financing

Supply Chain Finance

Limit Management

Early Warning

Explore More

Discover how other platform modules complement this capability.

Lending Origination

AI Decisioning Engine

Embedded Finance

FAQ

Frequently Asked Questions

Frequently Asked Questions

Common questions about digital banking and lending for SMEs.

Common questions about digital banking and lending for SMEs.

What is an SME banking platform?

What is cash flow-based lending for SMEs?

How does Account Aggregator help SME lending?

What working capital products does the platform support?

Empower SME Banking

Empower SME Banking

See how Decimal's platform enables digital-first banking and lending for small businesses.

Request Demo

Request Demo

Request Demo