CredAble Unveils New Credit Line Tailored for MSME Needs
In a bold move to ease the financial strain on small businesses, CredAble has introduced a flexible credit line designed specifically for MSMEs. This new offering helps address a persistent challenge—managing working capital without depending on large-rated counterparties.
For years, micro, small, and medium enterprises (MSMEs) have struggled with erratic cash flows and limited access to affordable financing. Traditional banks often shy away due to high risk and collateral requirements. But now, CredAble’s credit line steps in as a game-changer.
A Solution Beyond Traditional Lending Models
Unlike conventional credit lines, this solution supports transactions involving unlisted or non-rated buyers and suppliers. That opens the door for a wider pool of MSMEs to benefit.
Atyam Agrawal, Global Head of Product & Retail Business Lending, and MD ASEAN & ME at CredAble, explains the purpose.
“This empowers MSMEs to manage their cash flow effectively and seize growth opportunities without delay or dependence on big names,” he shares.
Moreover, Agrawal highlights that this offering is collateral-free, making it especially helpful for micro-MSMEs with limited assets.
Only Borrow When You Need To
One of the strongest features is on-demand access to funds. MSMEs can draw from the credit line only when necessary, avoiding unnecessary interest.
The model offers complete cost transparency, so businesses don’t need to worry about hidden fees or unclear terms.
“That level of clarity and flexibility can make a real difference when margins are tight,” Agrawal adds.
Short-Term, Revolving Loans for Agility
The credit line works as a revolving short-term loan, helping MSMEs maintain financial agility. It also allows for better planning during seasonal fluctuations or payment delays from clients.
Because the funds can be reused as repayments happen, MSMEs gain a sustainable financing mechanism. This keeps operations running even during unpredictable months.
Bridging the Financial Gap for MSMEs
India’s MSME sector contributes nearly 30% of the GDP, but access to formal credit remains a hurdle.
Fintechs like CredAble are changing that by building products tailored to their realities, not just their size.
With this flexible credit line, CredAble addresses working capital gaps that hinder growth.
Now, even a small manufacturer or service provider can secure funds quickly, transparently, and affordably.
A Big Step for Financial Inclusion
This launch aligns with broader goals of financial inclusion and digital lending expansion in India and other emerging markets.
As platforms evolve, MSMEs get the chance to grow without being crushed by outdated lending norms.
The flexible credit line helps create a more level playing field, giving businesses the boost they need to thrive.
As more players follow suit, accessible working capital could soon become the norm—not the exception—for India’s MSME backbone