Crelia Capital careers

Trust is not scalable, transparency is

The largest barrier to SME lending is opacity, i.e. information asymmetries between lenders and borrowers. Lenders have relied on personal relationship and collateral as the main tools to manage credit risk. Those are not scalable and uneconomical.

Crelia solves opacity with real-time transparency. Transparency tools for SMEs have exploded in the last decade. SMEs can now monitor their businesses in real time down to the “grams dispersed”. Crelia applies this technology to reduce information asymmetries.

Real-time transparency by borrowers makes SME lending scalable, increases accountability in borrowers and allows lenders to price credit risk based on individual SME’s performance track record instead of historical statistics across the sectors, much like Telematics in car insurance.