Closing the global MSME funding gap


MSMEs are central to local economies. They create jobs, build resilience and drive innovation. Yet in many markets, they’re still excluded from formal credit systems. Traditional tools can’t assess them fairly. To reach underserved MSMEs at scale, lenders need a different kind of solution.
Summary
- MSMEs are vital to economic growth but still lack access to formal financing
- Traditional systems can’t handle informal or unregistered businesses
- Modern platforms enable scalable, data-driven MSME lending
Many MSMEs operate in a grey zone between consumer credit and corporate finance. They often lack tax records, credit scores or even formal registration. In regions like Asia and Africa, this makes them hard to assess using traditional models.
Legacy systems depend on paperwork and in-person reviews. They’re slow, subjective and built for structured borrowers. As a result, millions of viable businesses remain unfunded not because they’re high risk, but because the system isn’t built for them.
The gap traditional systems can’t close
MSMEs power local economies. But when it comes to finance, too many are left behind. Especially in emerging markets, MSMEs fall between the cracks. They are too complex for retail credit models and too informal for corporate lending frameworks. That makes them hard to assess using traditional tools
That is where modern origination platforms come in. By digitising onboarding, automating assessments and embedding local context, they unlock lending at scale. Lenders can replace tax returns and bureau scores with mobile transactions, inventory cycles or satellite data. That creates a clearer and fairer picture of borrower potential.
MSME lending does not have to be slow, manual or high-risk. With the right system in place, it becomes fast, consistent and inclusive. Additionally, institutions stay fully in control.
How Akkuro Lending enables inclusive MSME financing at scale
A small-scale farmer in Africa secured a business loan without a credit history or tax records. Using Akkuro Lending, the lender combined satellite data on crop conditions with local market pricing to estimate income. That insight powered an automated risk score and led to a fast, data-backed approval.
No paperwork. No spreadsheets. Just accessible financing delivered in days.
Akkuro Lending helps institutions serve MSMEs confidently, even in informal or underserved settings. The platform automates the full loan origination flow and allows lenders to define and adapt their own credit logic.
Whether you're lending to street vendors in Southeast Asia or farmer cooperatives in Sub-Saharan Africa, Akkuro Lending gives you the tools to do it at scale.
Would you like to find out more? Book a demo to see how Akkuro Lending turns MSME financing into a driver of local economic growth.

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