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Sustainable FinTech: Unlocking Tier-2 Credit
Priya Sundaram
September 24, 2026
Credit penetration across tier-2 and tier-3 manufacturing hubs in India has historically been constrained by the lack of formal collateral. Digital public infrastructure and account aggregators are fundamentally altering this dynamic.
Underwriting models that evaluate real-time GST filings and automated bank transaction histories enable lenders to offer customized working capital credit. This credit democratization directly empowers small enterprises while keeping non-performing asset rates well managed.
Underwriting models that evaluate real-time GST filings and automated bank transaction histories enable lenders to offer customized working capital credit. This credit democratization directly empowers small enterprises while keeping non-performing asset rates well managed.