●Smart Business Finance zung.ai · Global
◆SME Credit Scoring AI-powered 340+ signals
●Supply Chain Finance Invoice & PO financing
◆Business Accounts Multi-currency current accounts
●Working Capital Revolving credit lines
◆8-second decisions AI underwriting live
●Smart Business Finance zung.ai · Global
◆SME Credit Scoring AI-powered 340+ signals
●Supply Chain Finance Invoice & PO financing
◆Business Accounts Multi-currency current accounts
●Working Capital Revolving credit lines
◆8-second decisions AI underwriting live
Smart Business Finance · zung.ai · Global Segment
AI banking for
SMEs and
business members.
zung.ai's Smart Business Finance segment gives MFIs and SACCOs everything needed to underwrite, serve, and grow their SME and business member portfolios — AI credit scoring, supply chain finance, and business account management globally.
$2.4B+
Business loans processed annually
8s
AI SME credit decision
340+
SME data signals scored
34%
Average SME default reduction
Core capabilities
AI features built
for this segment.
💼
SME AI Credit Scoring
AI underwrites SME loan applications in 8 seconds — POS history, supplier payments, inventory data, GST/VAT returns, and bank statements fused into a single business credit score globally.
SME-Ready
📦
Supply Chain Finance
Invoice discounting, purchase order financing, and supplier early-payment programmes for your business members — dynamic limits, auto-approval, and real-time facility utilisation globally.
Supply Chain
🏦
Business Current Accounts
Multi-currency business accounts with batch payment support, payroll disbursement, and business banking statement API — everything your SME members need globally.
Multi-Currency
📊
Revenue-Based Lending
Flexible loan products that adjust repayment to business revenue cycles — seasonal businesses, agricultural SMEs, and variable-income members served fairly globally.
Revenue-Linked
🤝
Supplier Network Financing
Connect your business members to a network of verified suppliers with embedded financing at point of purchase — extending credit exactly when cash flow is under pressure globally.
B2B Finance
📈
Business Portfolio Intelligence
AI dashboards for your lending team — SME portfolio health, sectoral concentration risk, seasonal trend forecasting, and early warning for business loan stress globally.
Risk Intelligence
What zung.ai delivers
Purpose-built
for your institution.
zung.ai Capabilities
What you get
✓AI SME credit score in 8 seconds — 340+ signals
✓Supply chain and invoice finance products built-in
✓Revenue-adaptive repayment schedules
✓Multi-currency business accounts and batch payments
✓Real-time SME portfolio risk intelligence
✓Business member WhatsApp banking and digital statements
Institutional Benefits
Business outcomes
✓34% average SME default reduction with AI scoring
✓40% more SME members approved vs manual underwriting
✓2.8× growth in business loan book within 12 months
✓60% reduction in SME loan processing time globally
✓Higher NPS from business members served digitally
✓New fee revenue from supply chain and trade finance
Get started today
Transform your SME lending.
AI decisions. Global reach.
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AI SME scoringSupply chain finance8-second decisions34% fewer defaults