Enterprise financing product development, India

• Jul 30, 2025
• 1 min

MSC partnered with five non-bank financial institutions (NBFIs) to design, develop, and scale enterprise financing verticals targeted at urban and rural microenterprises. The project aimed to enhance access to credit for microenterprises in India.

To inform the intervention, MSC conducted comprehensive primary and secondary research to assess the credit needs, behaviors, and preferences of microenterprises. Based on these insights, we co-created tailored enterprise loan products with the partner institutions and formulated strategic plans for product roll out and scale-up.

MSC also developed robust operational policies and an integrated credit-scoring framework to assess client risk. We built institutional capacity to ensure sustainable delivery of microenterprise lending.The initiative included extensive pilot testing and subsequent rollout support. During the pilot phase alone, partner institutions disbursed microenterprise loans worth approximately USD 14.8 million and far exceeded the project’s original targets.

Michael & Susan Dell Foundation (MSDF) commissioned the project.