Mixed-asset allocation
SME lending offers diversification benefits along with fixed income returns.
Profitability
SME lending provides an attractive risk reward profile, whilst supporting the economy.
Impact investing
Supporting SME's offers clear and measurable, environmental, social and economic growth.
SME finance is a broad sector and the business lending market is enormous. Creditive has identified a large, untapped part in the middle of the Nordic markets – on that has up in the past 10 years as result of traditional banks limitation and financial restrictions. The bottom end is served by digital factoring solutions for micro-sized businesses while the top is dominated by traditional banks providing secured loans to large enterprises. In the middle is a sizable segment of profitable, well-run small business with healthy cashflow and repayment capability – and data to prove it.