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.
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