SMEs are directly responsible for 72% of Mexico’s employment. In spite of their importance SMEs account for only 6% of all bank loans. Banks face challenges such as:
Lack of reliable information
Costly manual credit analysis unsuitable for credit size
Burdensome loan origination process
Reliance on guarantees limits the addressable market
MRP taps into non-traditional data sources such as e-commerce marketplaces, payment tools (POS) and cloud accounting to measure cashflow and reputation.