A report by GetVantage and Redseer Strategy Consultants highlights a potential credit deficit of $220 billion, hindering the growth of digitized businesses in India. The report estimates that only $165 billion is serviceable, leaving a working capital deficit of $112 billion. With the number of digital SMEs expected to double in the next five years, the demand for credit is projected to exceed $570 billion. Small businesses struggle to raise capital due to poor business metrics and limited assets.