MSME AND BUSINESS FINANCE PROVIDERS
MSME Lending: How to Run a Faster, Tighter Loan Pipeline
A manufacturer needs working capital before a festival order ships. He gives your field officer a bundle of papers on Monday. By Thursday the file has moved between three desks, nobody has told him what is missing, and his CA has found another lender.
We help owners of business finance firms tighten the operating routine: file stages with named owners, field staff roles, document checklists and the collection review. We do not advise on credit decisions, interest pricing or regulatory compliance. Your credit committee, lawyer and the regulator decide those.
Discuss your priorities ↗COMMON CHALLENGES
The pressures
we often see.
- 01Files travel from field officer to credit to operations, and each handover adds waiting time that nobody measures because no one owns the whole journey.
- 02Document requests reach borrowers piecemeal over several calls, which irritates a busy owner and delays the file by days.
- 03Field officers are paid on sourcing, so file quality varies and the credit team spends time returning incomplete files.
- 04Chartered accountants and other referrers bring good business but hear nothing back until a decision, and the relationship cools without anyone noticing.
- 05Early overdues are handled when someone remembers, not on a fixed schedule, and the first call often comes after the borrower has stopped answering.
OUR FOCUS AREAS
Where the work
usually starts.
- 01Stage-wise count of open files and days spent in each stage, with a named owner for every stage
- 02A single document checklist per loan type so the borrower hears the full list once
- 03Return rate of files from credit to the field and the commonest reason
- 04Field officer pay mix between sourcing and file quality or early collections
- 05Referrer tracking: CAs and others who send files, and what feedback they receive
- 06Early-overdue calling schedule for the first, seventh and fifteenth day after due date
- 07Customer wait time at each handover and where it is worst
- 08Monthly sourcing, approval and overdue numbers on one page for the owner
START THIS WEEK
Things you can do
before you call anyone.
- Take ten recent files and note the date each moved between stages. Add up the waiting days. The longest wait is where you start, not the stage you suspected.
- Hypothetical example: ten files took 60 days in total, from first meeting to decision. Of that, 28 days were spent waiting for documents the borrower was asked for in three separate calls.
- Phone two referrers who sent you files recently and tell them where their files stand. Note what they say about your speed and communication, and share it with the team.
A PRACTICAL ENGAGEMENT
Start with the priorities
that matter most.
We begin by understanding how your business runs today, find the gaps, and agree the scope in writing. Recommendations are shaped around your team, your resources and your goals.
- A pipeline stage sheet with owners and days-in-stage columns, reviewed in a weekly 30-minute meeting
- Loan-type document checklists and a script for the field officer's first meeting
- A role chart for field, credit and operations with handover rules and a revised incentive proposal
- An early-overdue call routine and a monthly one-page owner report
Not the right fit when: Not the right start for a credit loss, a regulatory notice or a borrower dispute. Take those to your credit committee, a lawyer or the regulator.
Explore a business audit ↗LET’S MOVE YOUR BUSINESS FORWARD
