Our Approach

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.

“Small businesses are everywhere; a powerful force hiding in plain sight. It’s time to enable step change.”

Defining Features

We are building a financial institution, not just a business.

Financial Strength

We have the capital to grow with confidence and are backed by investors

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People

We have a hand-picked team of people with diverse skills, relevant experience and a passion for customer service

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Risk Management

We have effective methods for assessing credit-worthiness and we boast a strict compliance culture

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Analytics

We optimise business processes and customer service using advanced data analysis

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Technology

We use smart technology to enhance efficiency and make the customer journey easier

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Our Story

It began with the simple idea that if India is to achieve its astonishing potential, small business owners must have easy access to financial support when and how they need it. we focused on our core values of integrity, excellence and agility. A strong culture and committed team are key to SBFC’s longevity and success. supported by a pioneering “PhyGital” way of doing business, SBFC is on track to achieve its vision of being India’s trusted financial institution for entrepreneurs and MSMEs.

Why We Exist

The spirit of India’s entrepreneurship is found in small businesses.

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.

Around

7 Cr

Entrepreneurs and small business owners in India
Source: CRISIL Research

Less than

20%

MSMEs with access to formal business loans
Source: CRISIL Research

INR

117 lakh Cr

Estimated demand for credit from micro businesses in India
Source: CRISIL Research

 

16 States & 2 UTs

Where SBFC branches
are located

Loans

Secured MSME
Loan Against Gold