SMEs face persistent challenges accessing timely, flexible financing due to manual assessments, limited data visibility, and rigid credit models. For financial institutions, traditional SME finance is costly to operate and difficult to scale while managing risk. Modern SME finance requires intelligence that adapts to business behavior, cash flows, and market conditions.
Evaluates creditworthiness using transactional, behavioral, and cash-flow data.
Forecasts default risk, cash-flow volatility, and growth potential.
Digitizes onboarding, underwriting, disbursement, and servicing processes.
Consolidates financial, operational, and third-party SME data into a single view.
Ensures transparent, auditable, and compliant SME credit decisions.
Core capabilities that power intelligent automation, seamless integration, and scalable performance across the entire ecosystem.
Focused execution and intelligent automation deliver measurable improvements across the lending lifecycle, creating clear and sustained business impact.
Engagement models designed to offer flexibility, transparency, and control.
scalable SME financing.
visibility into SME risk.
over credit policies and governance.
SME growth across sectors.
Key engagements that showcase innovation, efficiency, and real business results.
AI-driven SME credit assessments reduced approval times while improving portfolio quality.
Cash-flow–based lending increased SME approvals with controlled risk.
Automated SME onboarding accelerated growth across new markets.
Insights and perspectives that shape industry thinking and inspire state-of-the-art digital transformation.
Zoral’s SME Finance solution uses Olympus fOS to streamline the full SME lending lifecycle from onboarding to servicing, making SME credit faster, more consistent, and easier to scale. It automates data capture, document handling, and underwriting workflows, then applies configurable decisioning to assess eligibility, limits, and pricing across segments. With integrated monitoring and portfolio controls, strategies can be refined as SME behavior and market conditions shift. The result is reduced manual effort, improved turnaround times, better risk-adjusted performance, and expanded access to finance for SMEs without increasing operational complexity.
