The document discusses opportunities for financing small and medium enterprises (SMEs). It notes a global SME funding gap of $1.6 trillion, including gaps of $700 billion in Asia and $900 billion in the rest of the world. Digital trade finance and supply chain finance solutions have so far only tapped a small portion of the potential $480 billion in untapped revenue opportunities. The Growth Paradigm Partnership recommends approaches focused on credit, compliance, capital access, and clients to help capture 0.5% of the global revenue pools.

1. THE GROWTH PARADIGM PARTNERSHIP
Unfulfilled Fintech Promise on SME Funding
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2. Making Growth Happen
SME Funding: The Promise of USD 480 billion
untapped revenue pools
About us
What
sets us
apart
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• SME’s contribute 40 to 65% of a country’s GDP and 55% to
80% of employment opportunities
• USD 1.6 trillion global SME financing / funding gap*
• USD 700 billion funding gap in Asia, Rest of world 900 billion
• USD 70 billion UNTAPPED revenue pools in Asia
• USD 200 billion revenue pools with cross sell in Asia**
• USD 280 billion revenue pools across Rest of the World
* ADB estimates ** GPP estimates

3. Making Growth Happen
The Global SME Funding Gap
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For the Formal SME Sector the Credit Gap Stands at $0.9-1.1 Trillion
World Bank https://www.worldbank.org/en/topic/financialsector/brief/smes-finance

4. Making Growth Happen
Financing solutions across the Supply Chain
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The products highlighted in red represent significant revenue opportunities as customer
requirements are partially or not met at all.
Financial Supply Chain
Distributor/
Dealer Financing
• Pre-shipment
Finance
• Working Capital
Financing
• Receivable Financing
• Factoring
Containers
loaded
Factory
Containers are
loaded on ship
Port of Loading-
Terminal
Final delivery
Warehouse
PurchaseOrder
Shipment
Vessel at sea Containers are
off-loaded
Port of
Discharge-
Terminal
Flow of Goods, Information and Funds
Manufacturing
Manufacturing
Shipment process
ASN
FinishedGoods
Invoicing
BillofLading
StatusUpdate
StatusUpdate
CustomsClearance
StatusUpdate
Physical Supply Chain and the Financial Supply chain are closely integrated
Physical Supply Chain
Productsales(Domestic/Exports)
Reverse Factoring
Inventory Financing
Seller/
Supplier Buyer
Source: The Growth Paradigm Partnership

5. Making Growth Happen
Digital Trade Finance Landscape: The Collaborators
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Commercialisation and Monetisation still remains a big challenge
Digital
Trade
and SCF
Solutions
Source: The Growth Paradigm Partnership
Electronic Presentation of Export
Letters of Credit & Doc. Collect
Electronic Bill of LadingRisk Mitigation in Open
Account Space
BPO
Multibank Connectivity
Multibank Connectivity
MT 798
Supply Chain Finance
Solutions
Cumulative Annual volumes on the fintechs / technology companies willing to partner
with banks remain less than USD 750 billion dollars per annum

6. Making Growth Happen
Supply Chain: Fintech Landscape - The Disruptors
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Cumulative Annual volumes in the Lending space of Fintechs trying to disrupt banks
remain less than USD 50 billion dollars per annum. These firms would like to
disintermediate and replace banks
Source: The Growth Paradigm Partnership
Solution
Area
Solution Providers
• USA: Ondeck,
LendingClub, Prosper,
Kabbage, Lufax China,
Lendbox India
P2P
Lending
• UK: Funding Circle,
iwoca, IndiaLends,
Capitalfloat India
SME
Lending
• Market Invoice,
Fundbox, Novicap
Invoice
Financing

7. Making Growth Happen
Limited Sphere of influence of the digital SCF and
Fintech companies *
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Source: The Growth Paradigm Partnership
* Cumulative Volumes across Collaborators and Disruptors
4%
96%
3.6% of the World Global
Trade in Goods and Services
( 750 billion in 21 trillion)
2%
98%
1.6% of Micro & Small
Medium Enterprises
(2 million / 125 million)
2%
98%
2% of Banks
(200 / 10,000)
2%
98%
2.5% of large corporate
(5000 / 200,000)
Scalability???

8. Making Growth Happen
The GPP Recommendations :
Being on top of the 4C’s
About us
What
sets us
apart
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• Accessing USD 2 billion of revenues , which translates into capturing a
mere 0.5 % of the global revenue pools requires a different approach from
the conventional thinking of today . Key constructs include :
• Credit: Moving away from traditional credit assessment from balance sheet
and income statements to deconstructing and reconstructing a SME’s
financial credit worthiness through transactional and operational risk
models.
• Compliance: Getting a cost effective robust compliance framework
through artificial intelligence, web scraping , predictive analytics frameworks
• Capital Accessing deep pool of capitals from the BUY side including
institutional investors, asset managers, non banking financial institutions
and family wealth offices.
• Clients: Broadening the origination ecosystem through partnering with
banks , insurance companies , NBFC and wealth management clients of
financial institutions. Simplifying ease of access and transacting for client’s
on bank and fintech platforms

9. The Growth Paradigm Partnership
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Why GPP
Founder Profile – Anand Pande
Geographical Impact & Sphere of Influence Contact Details

10. Making Growth Happen
Direct experience of our teams to help clients achieve a
paradigm shift in operational excellence, revenue build-
outs sometimes with minimal investments and driving
balanced growth.
Depth and breadth of experience of our teams enables to
translate strategy into real results.
Simple Approach : Flexible delivery models that will be
tailored to your needs.
THE GROWTH PARADIGM PARTNERSHIP
The Growth Paradigm Partnership focuses on helping
clients achieve sustainable growth in the areas of banking,
offshoring and working with portfolio companies of private
equity firms.
About us
What
sets us
apart
What
sets us
apart
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11. Making Growth Happen
FOUNDER PROFILE - ANAND PANDE
Proven track record in:
• Growing businesses
• Turn-around management
• Building new businesses from scratch
• Using Technology, Operations, Delivery and Servicing across all assignments as key
differentiators
• Nurturing and Developing Local Talent. ( India, China, Indonesia, Singapore)
Awarded the Asset Asian Trade Finance Banker of the Year Award – 2013
Speaker / Moderator : Doha Forum, iGTB-Oxford School of Transaction Banking, BAFT, SIBOS,
ICC , The Asset Treasury Summit , Corporate Treasurer Events, Industry Banking Conferences
Harvard Business School:
• Inaugural program on Behavioural Economics: Designing Strategic Solutions for your
Customers and Organisations
• Program on Changing the Game in Negotiations and Decision Making
• 25 years of experience in global banking - Citi,
Royal Bank of Scotland & ANZ
• Group CEO of a private equity backed capital markets outsourcing company
• Worked in U.K, India, China, Malaysia, Hong Kong, Indonesia and Singapore
• Customer engagement spans across Asia, Europe and North America
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12. Making Growth Happen
GEOGRAPHICAL IMPACT & SPHERE OF INFLUENCE
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Sweden
UK
Netherlands
Belgium
Germany
Switzerland
France
Spain
Denmark
Poland
Czech Republic
Austria
Italy
Turkey
Greece
UAE
USA
Russia
China
Malaysia
Singapore
Indonesia
Philippines
Kazakhstan
Hong Kong
Japan
Korea
Sri Lanka
India
Australia
Vietnam
Thailand
Bangladesh
Managed Local Team
Worked-In
Business Responsibility
Costa Rica

13. CONTACT DETAILS
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