Artoo | Technology for those who need it most.
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The Future of MSME Lending

The best way to effectively serve MSME borrowers with a limited digital footprint is to implement cutting-edge technology at the borrower’s doorstep since that is where all data points are and hence where digitalization must begin.

Why Focus on Small Businesses?

MISSING MIDDLE

MSMEs comprise the largest and fastest growing segment. There is an estimated annual funding gap of 30 billion dollar between MFIs and Traditional Banks, presenting a huge market opportunity for Lenders.

LIMITED DIGITAL FOOTPRINT

They have undocumented, irregular income which require nuanced underwriting methods and this is where Artoo’s approach of Intelligent Doorstep Digitalization can add most value.

HELPING THE REAL HEROES

A qualitative dimension of this segment is that it consists of those individuals, who when they receive a bit of a leg up, truly pick themselves up and take responsibility for their own lives. Artoo considers it a privilege to serve small entrepreneurs.

Why Digitalization at the Doorstep?

BECAUSE IT MAKES SENSE FOR THE BORROWER

MSMEs comprise the largest and fastest growing segment. There is an estimated annual funding gap of 30 billion dollar between MFIs and Traditional Banks, presenting a huge market opportunity for Lenders.

AND HENCE IT MAKES SENSE FOR THE LENDER

The best way to impact the operational efficiency of a lender is to empower the field agent to do more for the borrower right at his or her doorstep to achieve financial inclusion at scale.

THE OUTCOME IS DEEPER FINANCIAL INCLUSION

By collecting data at source, doorstep digitalization makes a data poor borrower data rich, enabling nuances credit underwriting and fueling lending to this segment.

Product and Partners

Manage Distributed Sales Teams

Qualify leads, cross sell, and improve conversion rates

Paperless, error-free, instant customer onboarding

Monitor your portfolio performance

Intelligent doorstep credit assessment

HOW COULD ARTOO WORK FOR YOU

Our edge comes from our dedicated user support, human-centred product design and insights into user performance improvements. At the core of Artoo’s value proposition is its ability to customize for every organization and to do this at an affordable price. Unlike FinTechs that provide Big Data credit underwriting, we have assembled key whole product features that have the intelligence to understand all possible nuances of small businesses, while meeting all compliance standards.

1200

CRORES DISBURSED

450000

MSMEs ASSESSED

4000+

USERS

400+

BRANCHES