Building SME Banking Excellence

We help Financial Institutions strengthen SME lending capabilities, improve credit assessment, expand financial inclusion, and build sustainable SME portfolios.

The Challenges of SME Banking

Banks across the world face common challenges:

  • Limited availability of reliable SME data
  • High transaction costs for SME lending
  • Difficulty assessing informal businesses
  • Limited SME-specific lending capabilities
  • Pressure to expand financial inclusion while managing risk
  • Need for scalable digital solutions

idea&form provides practical solutions to address each of these challenges.

SME Academy

This practical training program equips banking officers with the knowledge, tools, and confidence to assess, finance, and support MSMEs effectively throughout their business lifecycle. Through real-world case studies, financial analysis, risk management techniques, and customer engagement strategies, participants learn how to make better lending decisions while building stronger relationships with MSME clients. Available in Digital, Virtual or In-Person Formats.

Interested in learning more? Contact us at +41 76 316 33 00 or
visit www.sme-academy.ch to explore the programme in detail.

Ea$yAccounting

Creating Reliable SME Data

Ea$yAccounting is a simple mobile bookkeeping solution that enables entrepreneurs to record their financial transactions and generate professional financial reports at any time.

In addition to standard financial statements, the platform produces a Bank Insight Report that translates business data into standardized financial ratios and indicators, helping financial institutions assess creditworthiness more efficiently.

Financial Reports Include

  • Balance Sheet
  • Income Statement
  • Cash Flow Statement
  • Profit and Loss Statement
  • Bank Insight Report
  • Automatically calculated financial ratios and key performance indicators

Benefits for Financial Institutions

  • Access to reliable and standardized SME data
  • Ability to benchmark businesses across sectors and regions
  • Increased loan readiness and financing applications
  • Faster and more informed credit assessments
  • Improved portfolio quality and risk management

Ea$yAccounting Partner Program

provides entrepreneurs with training, onboarding, and financial management support, complemented by premium access to Ea$yAccounting to strengthen business performance and financial readiness.

See Ea$yAccounting in action—try it for free or contact us at +41 76 316 33 00.

Ea$yLoan 

Streamlining SME Lending from Application to Approval

Ea$yLoan is a powerful web-based solution designed to simplify and standardize the SME lending process. Built for modern financial institutions, it supports relationship managers, credit officers, and decision-makers in assessing loan applications efficiently and consistently.

By combining structured credit analysis, automated calculations, and integrated risk assessment tools, Ea$yLoan helps financial institutions make faster, more informed lending decisions while improving the customer experience.

Key Benefits

  • Standardized and transparent credit assessment
  • Risk-adjusted pricing for fair and sustainable lending
  • Faster loan processing and approval times
  • Improved portfolio monitoring and credit quality
  • Enhanced relationship management through regular performance tracking
  • Better lending decisions based on reliable data and consistent methodologies

The Result

  • Increased efficiency throughout the credit process
  • Improved risk management and portfolio performance
  • Stronger relationships with MSME clients
  • Greater confidence in lending decisions

Interested in learning more? Contact us at +41 78 632 72 17 to schedule a demonstration of Ea$yLoan.

Good to know!

Researchers such as Nobel Prize winner Daniel Kahneman and his colleagues have extensively studied decision-making in financial institutions and found that lending decisions are often significantly influenced by both bias and noise.

While bias refers to systematic errors caused by personal beliefs, assumptions, or preferences, noise reflects unwanted variability in judgment noise refers to inconsistencies in judgment caused by factors unrelated to the quality of the information being assessed. Different decision-makers—or even the same decision-maker at different times—may reach different conclusions based on the same facts. As a result, lending decisions can be influenced by factors such as mood, subjective perceptions, and unconscious influences rather than consistent and objective criteria.

With Ea$yLoan, credit analyses are generated digitally based on predefined assessment criteria and standardized methodologies. The final lending decision remains with the responsible expert and is automatically routed to the appropriate decision-maker according to the institution’s approval authorities and governance framework.

Decision-makers receive all relevant information in a structured, transparent, and easy-to-interpret format, enabling faster and more consistent credit assessments.

By reducing bias and noise in the credit process, Ea$yLoan helps financial institutions improve decision quality, enhance consistency, and strengthen confidence in lending outcomes.

Ea$yPricing

Risk-Adjusted Loan Pricing Made Simple

Ea$yPricing enables financial institutions to calculate loan limits, repayment terms, collateral coverage, and remaining credit risk in a fast, structured, and fully digital way.

The tool supports consistent and transparent pricing decisions by combining customer data, collateral information, default probabilities, expected loss calculations, and predefined institutional parameters.

By automating key parts of the pricing and approval process, Ea$yPricing helps banks improve decision quality, reduce manual effort, strengthen governance, and maintain a clear audit trail.

Key Benefits

  • Fast and consistent loan pricing calculations
  • Risk-adjusted interest rate recommendations
  • Automated assessment of limits, terms, and remaining risk
  • Transparent decision-making based on predefined parameters
  • Secure documentation and audit trail
  • Improved efficiency in the credit approval process

The Result

Ea$yPricing helps financial institutions make smarter, faster, and more consistent pricing decisions while strengthening risk management and portfolio profitability.

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