MSMEcred: The Operating System for India's 64M MSMEs

One Platform. 10+ AI Tools. Infinite Growth.

📉 The Crisis: Why MSMEs Struggle

India has 64 million MSMEs, but systemic barriers hold them back.

• 64 million MSMEs contribute 30% to GDP but face systemic barriers

• Credit Gap: ₹25-30 trillion unfulfilled financing need

• Technology Adoption: Only 20-25% MSMEs use modern business tools

• Information Asymmetry: 75-80% still rely on conventional, inefficient methods

• Skill Deficit: "Lack of right attitude and mindset" cited as #1 workforce challenge

• Market Access: Low digital marketing adoption (21.7% use web/social media)

• Cost Barriers: 52% cite ICT costs as primary adoption barrier

🚀 The Opportunity: The AI Revolution is Here

The barriers are high, but the ceiling is higher. We are at the tipping point of a $500 Billion shift. According to the BCG-FICCI Report, AI has the power to unlock massive value for the MSME sector. The government knows it, the market knows it, and competitors are starting to realize it.

• AI could unlock $500 billion in MSME value (BCG-FICCI Report)

• 94% of MSMEs see AI growth potential

• Government push: ₹2,000 crore allocated for 50,000 MSMEs

• Potential productivity gains: 15-20%

• Operating cost reductions: 20-30%

💡 The Solution: Unified Data Architecture

We don't just offer software; we offer Compound Intelligence. Unlike traditional tools where you enter data separately for accounting, marketing, and HR, MSMEcred uses a Unified Data Lake where user upload Bank Statement Once and it powers Banking Analyzer, FinanceGuru, and DPR Generator. User Create Profile Once it auto-populates Scheme Advisor and Export Navigator.

Core Infrastructure is on Google Cloud Services:

• 🗄️ Google Cloud Storage - Secure document repository

• 🔥 Firestore - Real-time structured data + user profiles

• 📊 BigQuery - Advanced analytics & compliance reporting

• 🔄 Pub/Sub - Seamless inter-app communication

• 🔐 Firebase Auth - Enterprise-grade security with RBAC

🛠️ The Ecosystem: 11 Apps to Scale Your Business

Phase 1: Core Financial Intelligence (Protype Stage)

1️⃣ Banking Analyzer - For DSAs, Co-operative bank, small NBFCs sourcing & originating loans and MSMEs seeking loans.

• The Pain: Manual analysis takes 3 hours; rejection rates are high. Leading players charges 100-120/- for per statement analysis

• The Fix: 30-Second AI Analysis.

• Key Features:

  • Traffic Light Signal (Green/Yellow/Red) for creditworthiness.

  • Top 5 Revenue/Expense identification.

  • Simulated Credit Score impact.

• Cost: Starts at ₹25/analysis envisioned

2️⃣ Finance Guru AI 💰 - Your Virtual CFO.

• The Pain: 87% of MSMEs manage working capital manually.

• The Fix: 3-in-1 Financial Command Center.

• Key Features:

  • Optimal Financial ratios as per Industry standard

  • Capital structure optimization engine ( Capex Management)

  • Cost Optimization Engine (Opex management).

  • Profitability Simulator.

3️⃣ MSME AI DPR Generator 📄 - Bank-ready reports in minutes, not weeks.

• The Pain: Consultants charge ₹15k-50k and take 2 weeks. MSMEs lack expertise in financial projections & market analysis. Banks reject 60%+ applications due to incomplete/poor DPRs

• The Fix: 40-Page Detailed Project Report (DPR) in 24 hours.

• Key Features:

  • Automated Market Analysis via Gemini AI.

  • 5-Year Financial Projections.

  • SIDBI/MUDRA compliant formats.

4️⃣ AI Scheme Advisor 🏛️-Unlock Government Funding.

• The Pain: 500+ schemes exist, but finding the right one is impossible.

• The Fix: Intelligent Matching Engine.

• Key Features:

  • Matches profile to 500+ Central/State schemes.

  • Auto-fills application forms.

Phase 2: Growth & Operations (Coming Soon) - The Transformation

5️⃣ Market Mitra AI 🛒Marketing Automation :3-in-1 Suite: Tender Auto-Scanner + ONDC Catalog Gen + Social Media Manager.

6️⃣ Receivable Manager 💸Cash Flow : Get Paid Faster: Automated reminders + One-click TReDS invoice discounting.

7️⃣ Supply Chain AI 📦Inventory Smart Stocking: ML-powered demand forecasting to prevent stockouts.

Phase 3: Compliance, export, Sustainability & Skilling ( Planned)

8️⃣ CQ Bot (Compliance + Quality): Never miss a GST deadline. Roadmap to ISO/ZED certification.

9️⃣ ExportNavigator AI: Go Global. Connect with 100k+ international buyers and automate shipping docs.

🔟 GreenTech Suite: Monetize your green credits and generate ESG reports.

1️⃣1️⃣ SkillSetu AI: AI-driven workforce upskilling mapped to Government Skill India missions.

🎯 Who Is This For?

🏭 For MSMEs

• Get a CFO, Marketing Agency, and Compliance Officer in your pocket.

• Get your business health score in minutes.

💼 For DSAs & Co-operative society and small NBFCs

• Reduce screening time by 80%.

• Process 3x more applications with higher approval rates.

📊 For Consultants & CAs

• White-label our platform.

• Generate professional reports for clients instantly.

🔒 Enterprise-Grade Security

Your data is your asset. We protect it.

• Infrastructure: Built on Google Cloud Platform.

• Encryption: AES-256 Data Protection.

• Access: Role-Based Access Control (RBAC).