Quality SME PortfolioPre-Screened & Ready
Access verified, ESG-compliant SME portfolios ready for financing with reduced risk.
Reduce Risk, Increase Efficiency
SPOT transforms SME financing with 80% automated data capture and comprehensive 5-dimensional assessments. Our platform integrates data from SSM, LHDN, and other official sources to generate Credibility Reports that provide a complete picture of each SME. This enables banks to make informed financing decisions quickly, reducing processing time from weeks to hours.
Benefits for Banks
Why financial institutions choose SPOT for SME lending portfolios
Risk Reduction
80% automated data capture minimizes errors and fraud with assessments based on verified data
Asset Quality
ESG-aligned, compliant borrowers with verified credentials and strong compliance records
Operational Efficiency
Transform weeks of manual work into hours of automated processing with streamlined workflows
Precise Lending Targets
Identify high-quality SMEs with data-driven assessments versus manual intuition
Fast Processing
Reduce processing time from weeks to hours with end-to-end automation
Portfolio Scale
Access thousands of verified SMEs without increasing operational costs
Traditional vs SPOT
See the difference SPOT makes in SME financing
Processing Time
Verification
Risk Assessment
Seamless Integration with Your Systems
SPOT is designed to integrate seamlessly into your existing lending workflows. Our RESTful APIs enable real-time verification, automated risk assessment, and reporting directly within your loan management systems. Our platform complies with Malaysian banking security standards and supports multiple authentication methods and access controls.
How Integration Works
Three easy steps to connect SPOT to your systems
API Access
RESTful APIs for real-time data exchange and verification directly within your systems
Bank-Grade Security
Bank-level encryption, BNM compliance, and tiered access management
Advanced Reporting
Detailed risk assessments, credit scores, and actionable decision recommendations
Transform SMEFinancing Together
Contact us to learn how SPOT can enhance your lending portfolio