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Interview with Loan Frame Co-Founders | Economic Times

In the last couple of years, the alternative lending space has literally exploded. With the growing shift to digital, fintech companies are leveraging technology to innovate and disrupt traditional business models.

Founded in 2015, loan aggregator firm, Loan Frame is one such innovator which has found a unique niche to operate in – a niche which offers value alike to funds-starved small and medium enterprises and the banks and financial institutions.

Here, in a chat with ETCFO’s Mannu Arora, Rishi Arya, CFO and Co-Founder & Shailesh Jacob, Co-Founder and CEO, of the Gurugram-based online lending firm take a few questions about the finance function especially in start-ups, fintech and their business too.

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Why Fintech Startups Are Wooing India’s Small Businesses | Forbes

For the past 50 years, small and medium-sized enterprises (SMEs) and micro, small and medium enterprises (MSMEs) have powered India’s economy, especially in rural and semi-urban areas. But they often fail to get adequate financial support from government agencies, banks and financial institutions, according to the SME Chamber of India.

India’s booming fintech market could be their savior.

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Struggling to raise money? AI-powered bank loans from Loan Frame can help | Economic Times

Rising non-performing assets (NPAs), overleveraged large companies and the general unwillingness of banks to lend money has meant small businesses are now finding it next to impossible to raise money. As loan portfolios sour, banks do not want to take the risk of lending to an SME.

Coupled with that is the fact that a large number of small businesses have no access to formal sources of finance, are under banked or have little or no credit history. For these businesses, there is no chance of getting a bank loan. It is with this understanding that a troika of entrepreneurs banded together to start Loan Frame.

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What Are The Eligibility Challenges Associated With Business Loans In India? | StartupBuzz

Whenever an SME (Small And Medium-Sized Enterprises) business wants to get business loans, it can get very frustrating because most of the qualities required to get the loan are structured with big businesses in mind. This is understandable because financial institutions would like to plug into developing companies but they do not want to bear a large proportion of the risk that comes with this move. It is, therefore, a common trend that SME businesses in India have limited options when it comes to capital financing. However, this is not only particular to India as developing countries also face these impediments.

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When your Credit Score determines your Interest Rates

A credit score is a major deciding factor for banks to grant you loans and also to decide the terms and conditions on which the loans are to be given. Banks prefer borrowers with low outstanding balances, long credit history and high credit score. A good credit profile and high credit score are viewed positively by lenders. It also puts the borrowers in a position to bargain for better terms and conditions and draw loans at best available rates. On the other hand, it might get difficult to even get loans with poor credit score, leave aside the question of interest rates. Hence, it can be rightly said, “better the credit score, better the interest rates”.

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Financial habits to avoid for a wealthy Future


We first make our habits and then our habits make us.

Bad financial habits deplete your hard earned money, landing you in debts. Instead of regretting the bad financial practices, it is better to be prudent and take wise decisions related to your finances and create wealth for future.

Let’s have an insight into some financial habits you must avoid to ensure a healthy financial future:

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Deciphering Debt / EBITDA Ratio

Debt/EBITDA Ratio is commonly used by analysts and creditors to assess the creditworthiness of a business. It is used by your bankers to ensure that the company does not default in honoring its debt obligations and generates sufficient cash to pay off debt liabilities as and when it arises. Before putting any funds in a business, the bankers need to be sure that their money would be safe and would be repaid in time. This assurance is obtained by looking at the Debt/EBITDA ratio.

Debt/EBITDA ratio can be expressed as below:

Debt/EBITDA Ratio = Debt / EBITDA

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Decoding Return on Net Worth!

Financial ratios are used by lenders to make a decision on whether to provide finances to a business or not. These ratios can be used to evaluate the overall financial position of a business. To build up a strong credibility before its lenders, a business must strengthen its financial ratios.

The financial ratios are classified into four main categories, namely, liquidity ratios, activity ratios, solvency ratios and profitability ratios. Profitability ratios are a measure of the profitability and earnings of the business. One such important ratio which draws the attention of investors is the Return on Net Worth.

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Do you Understand Debt Service Coverage Ratio

Debt service coverage ratio is a ratio commonly used by lenders to assess to the credit worthiness and financial health of a business. It gives a comfort to the lenders if the company generates sufficient cash to pay off its current portion of debt as and when due. Before putting any funds in a business, the lenders also need to be sure that their money would be safe and would indeed be repaid in time. Debt service coverage ratio serves the purpose.

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