In India, Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the country’s economic growth, generating employment and contributing significantly to the GDP. However, accessing credit has often been a significant challenge for such enterprises, especially for startups and small-scale businesses. This is where responsible lending plays a transformative role. At LendingKart, responsible lending […]
What is Data-Driven Lending? Data-driven lending uses both traditional and alternative data sources, combined with technologies such as machine learning and advanced analytics, to assess borrowers’ creditworthiness. Instead of relying solely on conventional metrics like historical credit scores and financial statements, lenders can analyse a wider range of signals that better reflect a business’s
Why Government Intervention Matters Small and micro enterprises struggle to secure traditional credit due to limited collateral, shorter business histories, or unpredictable cash flows. Government-backed initiatives provide: These interventions help create a level playing field for smaller firms and improve their chances of survival and growth. Let’s look at the key initiatives supporting small
Maruti’s ₹5,000 Crore Gujarat Expansion | How This Manufacturing Hub Expansion Will Create MSME Growth Opportunities?
What’s Happening: Maruti Suzuki’s Gujarat Expansion Here’s a snapshot of the expansion plan: This move not only strengthens Maruti Suzuki’s manufacturing footprint but also reinforces Gujarat’s position as a key automobile manufacturing hub in India. Strategic Rationale Behind the Expansion 1. Meeting Rising Demand Maruti Suzuki’s current annual capacity across all plants is around
The final three months of the year, Quarter 4, involve a lot of preparation for a surge in sales and balancing cash flow. But if you aren’t prepared, that spike in demand can actually break your business. What if your stock runs out just as customers are ready to buy, or the bank account
What the India–New Zealand Trade Deal Means for MSME Exporters and Finance Needs
If you follow the news, you’ll know that India and New Zealand usually make headlines for their epic battles on the cricket pitch. But lately, the conversation has shifted from the cricket stadium to the boardroom. There is a growing buzz about a potential India New Zealand FTA (Free Trade Agreement). For a small
How Are India’s New FTAs Creating Export Credit Opportunities for MSMEs in 2026?
In the first month of 2026, the landscape has shifted quite dramatically for MSMEs. India’s aggressive pursuit of Free Trade Agreements (FTAs) with the likes of the UK, the EU, and the EFTA nations has done more than just slash duties; it has fundamentally rewired how credit flows to the small enterprises. But how
