Our legacy is determined by the customers we serve, the jobs we create, and the businesses we help to prosper.
SBFC provides financing opportunities to business owners who are underserved by traditional banks.
Our approach is to reimagine lending. We have developed a “PhyGital” model which uses technology and authentic in-person service to create loans which support the ambitions of our customers. We engage directly with small business owners and work through loan applications together, in person, at the customer’s pace.
SBFC’s business foundations include a commitment to responsible credit and trusting relationships with large banks.
We have the capital to grow with confidence and are backed by investors
LEARN MOREWe have a hand-picked team of people with diverse skills, relevant experience and a passion for customer service
LEARN MOREWe have effective methods for assessing credit-worthiness and we boast a strict compliance culture
LEARN MOREWe optimise business processes and customer service using advanced data analysis
LEARN MOREWe use smart technology to enhance efficiency and make the customer journey easier
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7 crore MSMEs create 30% of India’s GDP and creates employment for about 11 crores people in the country.
However, less than 15% of these businesses have access to formal credit. Restricted access to finance is a major obstacle to launching a business in India. Traditional banks don’t suit the needs of entrepreneurs, particularly those with limited documentation or whose incomes are unpredictable.
SBFC sees an opportunity to support this under-served part of market. SBFC’s “PhyGital” business model and innovative methods for assessing credit-worthiness tap into a nationwide trend of accelerating digitalisation and make loans simple, flexible and convenient for some of the people who need it most.
Entrepreneurs and small business owners in India
Source: CRISIL Research
MSMEs with access to formal business loans
Source: CRISIL Research
Estimated demand for credit from micro businesses in India
Source: CRISIL Research
Where SBFC branches
are located