Easy short term loans to fuel
your business cycle

If you are a small merchant business (or Dealer) that regularly needs hassle-free short term business loans to manage cash flows during your monthly business cycle – then smelending.com is just the right place for you. A unique tech-based platform solution, smelending.com connects 3 key parties – Dealers, their Principal Supplier and Lending institutions like Banks and NBFCs – to make hassle-free loans available when it is most needed. Over 24,000+ Dealers currently benefit from our smelending services – with over Rs. 500+ cr. of loans annually across 150,000+ loan transactions.

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We are India’s #1 Lending Marketplace for SMEs

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24,000+ Dealers

Benefiting from
easy loans
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150,000+ Loans

Unique loan
transactions
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30+ Cities

Pan India
coverage
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Rs.500+ Crs. Annual Lending

Yearly loan
disbursement

Our Customers & Partners

Over 24,000+ dealers across 30+ cities in India benefit from the easy short term credit provided by the smelending.com platform. Using their smelending.com card, they can avail pre-approved, collateral-free 30-Day loans which helps them manage cash flows during their monthly business cycle.

Meet some of our valued customers

+ Beneficiary Dealers

Over 24,000+ dealers across 30+ cities in India benefit from the easy short term credit provided by the smelending.com platform. Using their smelending.com card, they can avail pre-approved, collateral-free 30-Day loans which helps them manage cash flows during their monthly business cycle.

Meet some of our valued customers

+ Principal Partners
+ Lender Partners

The smelending.com Advantage

A guiding principle that drives the sustainable success of the smelending.com platform is the unique win-win-win proposition it creates for all registered participants – Dealers, Principals and Lenders. Dealers get the benefit of easy, reliable short term business loans, their Principal benefits from better control and reduced uncertainty over their business receivables, and Lenders get a convenient and cost-efficient platform to build a viable loan book with better risk control and reduced operational costs.

How Does a Dealer Benefit ?

With smelending.com, you can now get short term business loans directly from potentially multiple registered Banks/NBFCs – on much better terms than unorganized market alternatives. No need to turn to more expensive private money lenders or other unorganized lending channels.

With smelending.com, you do not need to provide any collateral like property or shares to avail your smelending loans.

With smelending.com, your loan eligibility is assessed upfront at the time of applying for registration. You only need to submit minimum KYC and Business Registration documents to register.

With smelending.com, you can use the available loan facility to settle any invoice from your registered Principal – whether current or a previous outstanding. Whenever you swipe your card – a list of all your pending invoices shows up . Just choose and settle.

With smelending.com, your loan eligibility and credit limit is allotted upfront. On the same pattern as a regular credit card, you can now use your smelending.com card anytime to make any number of loan transactions within your overall credit limit.

With smelending.com, your loan tenure begins only from the day you swipe the loan transaction. So, if you time it with the delivery of your order from your Principal’s warehouse, you are always be guaranteed of getting the full benefit of entire 30 Days loan tenure after goods receipt. Unlike a regular credit card or even a regular market loan, where loan date and delivery date are independent, and may not coincide.

+ Opens a new door
to multiple Bank /
NBFC Lenders

With smelending.com, you can now get short term business loans directly from potentially multiple registered Banks/NBFCs – on much better terms than unorganized market alternatives. No need to turn to more expensive private money lenders or other unorganized lending channels.

+ Completely
Collateral-free

With smelending.com, you do not need to provide any collateral like property or shares to avail your smelending loans.

+ No cumbersome
documentation

With smelending.com, your loan eligibility is assessed upfront at the time of applying for registration. You only need to submit minimum KYC and Business Registration documents to register.

+ Settle any current /
past Invoice

With smelending.com, you can use the available loan facility to settle any invoice from your registered Principal – whether current or a previous outstanding. Whenever you swipe your card – a list of all your pending invoices shows up . Just choose and settle.

+ Pre-Approved

With smelending.com, your loan eligibility and credit limit is allotted upfront. On the same pattern as a regular credit card, you can now use your smelending.com card anytime to make any number of loan transactions within your overall credit limit.

+ Match Loan Tenure
to Your Business Cycle

With smelending.com, your loan tenure begins only from the day you swipe the loan transaction. So, if you time it with the delivery of your order from your Principal’s warehouse, you are always be guaranteed of getting the full benefit of entire 30 Days loan tenure after goods receipt. Unlike a regular credit card or even a regular market loan, where loan date and delivery date are independent, and may not coincide.

How Does a Principal Partner Benefit ?

With smelending.com, you can now get short term business loans directly from potentially multiple registered Banks/NBFCs – on much better terms than unorganized market alternatives. No need to turn to more expensive private money lenders or other unorganized lending channels.

With smelending.com, you can use the extended loan facility to close pending invoices as per pre-defined collection plans. Greatly improves the visibility of your future cash flows from Dealer Receivables, thus making business planning easier.

With smelending.com, you have much better control over planning your collection of Dealer Receivables. Avoid the difficult conversations and lost sale situations caused due to festering dealer outstanding issues.

With smelending.com, whenever Dealer swipes his card to complete a loan transaction against your invoice – the platform ensures that settlement amount reflects in your account on the same day.

With smelending.com, you do not need to take any additional exposure towards credit risk or operational overheads. Let the smelending platform handle all credit operations on your Dealers’ behalf via multiple registered lenders.

With smelending.com, you can provide your Dealer network with a significant business enhancer to grow their own and your business !

+ Drive Business
Volume Growth

With smelending.com, you can now get short term business loans directly from potentially multiple registered Banks/NBFCs – on much better terms than unorganized market alternatives. No need to turn to more expensive private money lenders or other unorganized lending channels.

+ Reduce Uncertainty
of Dealer Receivables
Cash Flows

With smelending.com, you can use the extended loan facility to close pending invoices as per pre-defined collection plans. Greatly improves the visibility of your future cash flows from Dealer Receivables, thus making business planning easier.

+ Avoid Loss of Sale
due to Collection
Bottlenecks

With smelending.com, you have much better control over planning your collection of Dealer Receivables. Avoid the difficult conversations and lost sale situations caused due to festering dealer outstanding issues.

+ Same Day Credit of
Settlement Amount

With smelending.com, whenever Dealer swipes his card to complete a loan transaction against your invoice – the platform ensures that settlement amount reflects in your account on the same day.

+ No Additional Exposure
to Credit Risk or
Operational Cost

With smelending.com, you do not need to take any additional exposure towards credit risk or operational overheads. Let the smelending platform handle all credit operations on your Dealers’ behalf via multiple registered lenders.

+ Earn Dealer Goodwill

With smelending.com, you can provide your Dealer network with a significant business enhancer to grow their own and your business !

How Does a Lender Partner Benefit ?

With smelending.com, you can now get short term business loans directly from potentially multiple registered Banks/NBFCs – on much better terms than unorganized market alternatives. No need to turn to more expensive private money lenders or other unorganized lending channels.

With smelending.com, the unique 3-party platform lets you access non-traditional credit data points to enhance your internal credit scoring mechanism. Additionally, you have full visibility to monitor the restricted end-use.

With smelending.com, you can focus on the lending itself and offload the lending operations task to the shared platform.

+ Lower New Customer
Acquisition Cost

With smelending.com, you can now get short term business loans directly from potentially multiple registered Banks/NBFCs – on much better terms than unorganized market alternatives. No need to turn to more expensive private money lenders or other unorganized lending channels.

+ Reduce Credit Risks

With smelending.com, the unique 3-party platform lets you access non-traditional credit data points to enhance your internal credit scoring mechanism. Additionally, you have full visibility to monitor the restricted end-use.

+ Reduce Unnecessary
Loan Operations Costs

With smelending.com, you can focus on the lending itself and offload the lending operations task to the shared platform.

Want to know how smelending.com can work for you ?