ROI CASE STUDY: SME UNDERWRITING
Redefining the Velocity of Credit
Traditional manual underwriting for SME loans is highly labor-intensive, fragmented, and prone to bottlenecks. Credent condenses the entire end-to-end process into minutes, eliminating human fatigue and subjectivity.
Public Sector Banks8 to 45 Days
Private Sector Banks5 to 10 Days
Digital NBFCs24 to 72 Hours
Credent AI Engine20-25 Minutes
Traditional Manual Process24-40 Hrs Active Work
- Data Entry & Spreading (1-2 Days)Manually re-keying balance sheets, P&L, and tax data into internal software.
- Ratio & Trend Analysis (1 Day)Calculating current ratios, DSCR, and analyzing YoY trends manually.
- Qualitative Research (1 Day)Checking MCA, GST, market position, and management background.
- Drafting CAM Report (1 Day)Synthesizing findings into a subjective, manually formatted memo.
The Credent Advantage99.5% TAT Reduction
Massive Cost Reduction (OpEx)
Elevate highly skilled credit managers from data-entry clerks to strategic reviewers. Process 100x more loan applications without hiring 100x more underwriters.
Faster Time-to-Yes
In SME lending, the first institution to issue a sanction letter wins the business. Reducing turnaround from 10 days to 25 minutes fundamentally increases conversion rates.
Standardized Risk Assessment
Manual appraisals suffer from human fatigue. Credent applies the exact same rigorous analytical standard to file #1 and file #10,000.