SME banking is broken

We believe that the “one-size-fits-all” model is dead. Banks deserve the benefit of the doubt as the cost equation to build bespoke services for all their SME client’s needs would be costly, and take many years to deliver.

Our suite of APIs enable banks to reimagine how they provide financial products and services to their SME clients.

Micro SME

Help MSMEs better understand their money and plan their future cash flow with features such as categorisation, estimating end of year tax and cash flow forecasting.


Offer relevant guidance and support to help SMEs prepare for future cash flow challenges, through providing better working capital solutions and invoicing products.


Predict your client's shortfalls, alert them in advance and provide contextual lending products and services to mitigate any future risk to create and drive client loyalty.


Fractal connects to many data sources to provide you with a single source of truth. We enrich your financial and company data to build unified profiles.

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