Operating across diverse sectors, MSMEs usually face a dual-fold challenge: they must supply their customers on a credit basis while they are unable to access affordable credit, thus severely constraining their growth. Credit scoring of B2B payments in the trade credit sector can transform the sector by enabling secured growth for MSMEs and improved access to finance. MSMEs can look up a potential client’s credit score and decide on the extent of the risk they wish to undertake before fulfilling an order. Depending on the credit score of the prospective customer, they can offer terms ranging from "cash-and-carry" to full credit. A positive credit history enhances their reputation in the financial market. A credit score for MSMEs accurately establishes their creditworthiness. As the risk associated with lending to MSMEs decreases, lenders are more inclined to extend credit to these enterprises. This increased access to affordable finance empowers MSMEs to invest.