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//Banking/SME & Corporate Banking

Underwrite Faster.

Unify Every Lending Journey.

From onboarding to underwriting to renewals, we help SME lenders maintain continuity across promoters, entities, networks, and cash flows, so risk surfaces before disbursal, not after. Because in SME lending, disconnected steps create connected losses.

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SME lending weakens when context resets at every stage

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Fragmented Entry Signals

Ownership structures, promoter linkages, and entity relationships are often reviewed once, then lost across systems.

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Disconnected Financial Views

Bank statements, GST filings, MCA data, and stock statements are analysed in isolation, masking cash-flow stress, leakage, and misreporting.

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Manual, Document-Heavy Underwriting

Physical verifications and static PDs slow down decisions and still miss early indicators of business stress.

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Risk That Surfaces Post-Disbursement

Dormancy, litigation, asset seizure, and network exposure often appear after capital is deployed.

IDfy Enables Continuity Across the SME Lending Journey

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  • Screening of promoters and entities using MCA, GST, EPFO, legal, financial, and dormancy indicators.
  • Identification of ultimate beneficial owners and ownership structures through UBO checks.
  • Network scanning to surface related entities, shared promoters, and hidden linkages that indicate concentrated or indirect exposure.
  • Legal history checks across individuals, companies, and associated entities to identify adverse records.

Why IDfy for SME & Corporate Lending

Faster onboarding across SME constitutions

Reduced manual effort in underwriting and PDs

Earlier visibility into promoter, entity, and network exposure

Better understanding of business cash flows and stress indicators

Continuous view of SME risk beyond disbursement

Voice of the customers & awards

IDfy has significantly improved our fraud prevention capabilities with accurate verification.

Kirti Patil

Kirti Patil

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Abhinav Puneeth

Director

The platform enables seamless identity checks that scale efficiently across teams.

Sameer Jadhav

Sameer Jadhav

Vice President

With the adoption of IDfy's Background Verification Services, we were able to improve our processes significantly.

Amarendra Nath Mishra

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

It has been an absolute pleasure working with IDfy over the past 4-5 years.

Devrat Singh

Devrat Singh

Senior Product Manager, Blackbuck

IDfy has significantly improved our fraud prevention capabilities with accurate verification.

Kirti Patil

Kirti Patil

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Abhinav Puneeth

Director

The platform enables seamless identity checks that scale efficiently across teams.

Sameer Jadhav

Sameer Jadhav

Vice President

With the adoption of IDfy's Background Verification Services, we were able to improve our processes significantly.

Amarendra Nath Mishra

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

It has been an absolute pleasure working with IDfy over the past 4-5 years.

Devrat Singh

Devrat Singh

Senior Product Manager, Blackbuck

IDfy has significantly improved our fraud prevention capabilities with accurate verification.

Kirti Patil

Kirti Patil

CTO

Exceptional accuracy and speed across verification processes.

Abhinav Puneeth

Abhinav Puneeth

Director

The platform enables seamless identity checks that scale efficiently across teams.

Sameer Jadhav

Sameer Jadhav

Vice President

With the adoption of IDfy's Background Verification Services, we were able to improve our processes significantly.

Amarendra Nath Mishra

Amarendra Nath Mishra

Group CHRO, Hero Enterprise

It has been an absolute pleasure working with IDfy over the past 4-5 years.

Devrat Singh

Devrat Singh

Senior Product Manager, Blackbuck