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Credhive Fintech added blog Other
2026-08-20 05:29:43 -

Proprietorship Underwriting Process: Data, Risk Assessment, and Credit Decisions
Sole proprietorships play an important role in India's small-business economy. They include retailers, traders, professionals, manufacturers, service providers, and other owner-managed businesses. For banks, NBFCs, fintech companies, and lenders, financing these businesses can create attractive growth opportunities, but underwriting requires a careful assessment of both the business and its...

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Anushree Sharma added blog Other
2026-08-10 12:33:16 -

How Financial Ratios Help Assess Business Risk, Profitability, and Creditworthiness
When a bank evaluates a loan application, when a supplier decides whether to offer 90-day credit terms, or when an investor weighs a stake in a growing company, the underlying question is always the same: how much risk does this business carry, and can it be trusted to meet its financial obligations? Financial ratios are the primary tool used across banking, trade credit, and investment...

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