Notes on MSME credit, from people who lend it.

Field notes from the lending team — what banks actually check, which GST patterns trigger rejections, how to read a balance sheet the way an underwriter does.

The Case for LoanSignal

India's ₹30 lakh crore MSME credit gap isn't a capital problem. It's a process problem. Evaluating a loan file against a bank's parameters takes up to 15 days. We believe it could be done in 10 minutes. We built LoanSignal.