Sales, expenses, receivables, payables, MFS/bank trail and debt repayment.
Bangladesh SME Lending Product
Public Landing
SME loan-readiness platform for Bangladesh
Make small businesses loan-ready and help lenders receive cleaner SME files.
SME Credit Passport BD connects business records, document readiness, consent, repayment capacity and lender workflow into one structured borrower file.
SME → RM → Credit → CAD
One consented workflow
For SME businesses
Prepare before applying.Score, document gaps, safe EMI, CMSME segment and next actions.
Professional lender-facing report with cash-flow and document summary.
For banks/NBFIs/MFIs
Receive cleaner files.Business profile, consent, documents, cash-flow, risk flags and report.
RM review, Credit analysis, CPV/CIB tracking and CAD/Ops readiness.
Free pilot, per-user dashboard, branch package and enterprise plan.
Request pilot/demo
Use this for marketing lead capture during pilot discussions. In cloud mode, leads can later be saved to Supabase.
Loan readiness, not final credit decision
Turn messy SME records into a lender-reviewable borrower file.
Separates cash and non-cash items, scores record quality, classifies your CMSME segment, tracks consent, and prepares a Bangladesh-focused lender workflow.
0
/100
CMSME segment (indicative)
Based on sector, workforce, fixed assets (excluding land/building) and turnover where applicable. Verify against Bangladesh Bank SMESPD Master Circular No. 01/2025 and lender policy.
Readiness breakdown
Next best actions
Audit trail preview
Last system/user events kept for lender-grade traceability.Business profile
Structured enough for RM/Credit/CAD review, simple enough for a shop owner.
Daily cashbook
Cash and non-cash items are treated separately. MFS and bank entries strengthen your verifiable digital trail.
Recent transactions
| Date | Type | Channel | Category | Amount | Cash impact | Note |
|---|
Document readiness
Status, expiry, rejection reason and verification note are captured for RM/CAD discipline. Trade licences renew annually — watch the expiry date.
Loan readiness engine
Explainable readiness indicator. The lender still makes the final credit decision.
Policy-style checks
Bangladesh Bank program signals
Indicative pointers from the CMSME framework (SMESPD Master Circular No. 01/2025 and related schemes). Eligibility is always decided by the lender and Bangladesh Bank rules in force.
Submit borrower file to lender
This is the commercial connection point: SME prepares the file, gives explicit consent, selects a lender, and submits for RM/lender review.
Borrower-facing application status
The SME can see where the submitted file stands.Lender dashboard
Subscribed bank/NBFI/MFI view for submitted SME files, RM review, Credit review and CAD/Ops workflow.
| Ref | Borrower | Lender | Requested | Score | Safe EMI | Status | Risk band | Created | Action |
|---|
Role dashboards
Same file, different review lens for subscribed lender teams.New submissions, business visit note, document deficiency and recommendation.
0 file(s)Cash-flow, DSR/DSCR, CMSME segment, CIB/CPV status and approval note.
0 file(s)Security documents, sanction condition, expiry warning and disbursement readiness.
0 file(s)Users, branches, policy assumptions, subscriptions and portfolio view.
PilotSelected application workflow
Select an application to update workflow notes.SME Credit Passport BD
Bankable Business Report
No business profile saved
0/100
This report is a loan-readiness indicator prepared from records supplied by the business. It is not a credit score, credit rating, or lending decision. The lender's own credit policy, CIB report and verification remain final.
Pricing & subscription model
Use this to explain the business model during pilot discussions. Payment gateway is not connected yet.
Readiness check, basic cashbook, document gap list.
Printable professional report for lender review.
Ongoing records, document tracking, export and support.
RM/Credit/CAD dashboard for selected SME files.
Bank/NBFI/MFI user licence for lender workflow.
Branch package, setup fee, policy configuration and integration.
Commercial guardrails
How to sell safely.Position as readiness, documentation and decision-support.
SMEs pay for the report first; subscriptions come after habit formation.
Use actual prepared SME files as proof before approaching banks/NBFIs/MFIs.
Policy settings
Local policy assumptions. A bank/NBFI/MFI can tune these later.
Supabase pilot connection
Optional. Use only after running the schema and creating an organization in Supabase. Local demo works without this.
Data controls
For demo only. Real cloud version uses Supabase Auth, RLS, storage policies and audit logs.Consent log
Purpose, version and timestamp retained.Privacy, consent and data-use guardrails
Aligned with Bangladesh personal data protection law currently in force. This product is a loan-readiness tool, not a final credit decision engine.
The customer is the owner of their personal data. Do not collect or share profile, cashbook, documents, or readiness report with any lender unless explicit consent is captured and logged.
Use collected data only for loan-readiness assessment, lender review, documentation support, and agreed monitoring.
The customer can request access to their data, correction of inaccurate data, and erasure where retention is no longer required. JSON export supports access requests.
NID, TIN, biometric and financial data are sensitive. Cross-border transfer of such data may require regulatory/legal approval. Review hosting location before production.
The readiness score is an indicator. RM, Credit, CAD and the lender's approved policy remain the final authority.
If customer withdraws consent, stop external sharing and retain only what is needed for legal, audit or dispute purposes.