Kubar Protocol automates credit underwriting for MSMEs by leveraging real-time supply chain data from India Stack and ERP systems. This enables lenders to streamline loan approvals, reduce operational costs, and efficiently scale their lending operations.
Funding
Funding not disclosed
Founders
Product
Problem
Micro, Small, and Medium Enterprises (MSMEs) often face challenges in accessing trade finance due to a lack of comprehensive credit history and the complexities of traditional underwriting processes. This restricts their ability to manage cash flow effectively and hinders growth opportunities within their supply chains.
Solution
Kubar Protocol offers a software platform that automates credit underwriting for MSMEs by leveraging real-time supply chain data from sources like India Stack and ERP systems. The platform facilitates invoice discounting and loan management, enabling lenders to streamline loan approvals and reduce operational costs. By providing connectivity and transparency across the anchor buyer's supply chain, Kubar Protocol unlocks capital locked in unpaid invoices, allowing MSMEs to access flexible financing options and improve cash flow management. The platform utilizes advanced algorithms to ensure fair and flexible financing solutions.
Target Audience
The primary target audience includes lenders seeking to streamline their MSME lending operations and MSMEs looking for improved access to trade finance and cash flow management solutions.
Features
- Integration with India Stack DPIs and ERP systems for real-time supply chain data access
- Automated credit underwriting process for faster loan approvals
- Software platform for managing invoice discounting and loans
- Connectivity and transparency across the anchor buyer’s entire supply chain
- Advanced algorithms for fair and flexible financing
- Transparent commission structure