This is particularly very handy for service industries that can secure loans against the value of their unpaid invoices, rather than tangible assets such as property or stock. Spreading awareness about the availability of these alternate sources of 3/6  BIS central bankers' speeches  finance however, remains a challenge which must be addressed by the Industry Associations.
d) Seeking credit rating A credit rating can make a MSME unit’s access to financial services more efficient as it provides transparency, helps overcome perceived uncertainty in lending decisions and thereby reduces time and transaction costs. MSMEs can use ratings to enhance their credibility with other counterparties too, such as technology providers, suppliers, and customers.