Working capital partner for India's SMBs.
Short-term working capital and receivables protection, sized to how you actually trade.
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Underwriting built on payment behaviour, not just balance sheets.
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Limits on top of your existing bank lines.
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Draw only when you need it, with no idle debt.
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Protection for specific buyers or your whole book.
Capital provided through our NBFC arm and FI partners; receivables protection arranged with licensed insurer partners.
Most SMBs do not have a profit problem. They have a timing problem.
Goods ship, invoices go out, and cash lands 60, 90, sometimes 120 days later.
Move the slider to your buyer terms.
90 days
of your own cash tied up in every order you deliver.
Your track record becomes the asset.
We look at how your buyers pay you, how you pay your suppliers, and the limits you already hold.
From there we build short-term working capital around that, in tenors of 30 to 180 days, with protection on the receivables behind it.
Payment behaviour is your collateral.
Short-term working capital, on a need basis.
Connect once and stay ready.
We read your buyer payments, supplier payments and existing FI limits, then provide a limit on top — drawn only when you need it, transaction by transaction.
Available to draw
Rs2.40cr
- 60 day drawdownrepaid on collection
- No idle debtnil on undrawn limit
Receivables protection, for specific buyers or your whole book.
Get your receivables protected against delayed payment or default, whether your buyers are rated, unrated, or a mix.
Protected receivables can also unlock additional working capital from our FI partners.
- Rated and unrated buyers
Cover the unrated names most protection quietly leaves out.
- One buyer, a cluster, or the book
Protect exactly the exposure that keeps you up at night.
- Stronger collateral
Protected receivables can raise your borrowing headroom.
Connect once. Then take capital, protection, or both.
- Connect once
Share your GST and trade data through a single connection that powers both Cash+ and Protect.
- We read your payment behaviour
How your buyers pay you, how you pay your suppliers, and the limits you already hold.
- Draw capital, or protect receivables
Take working capital on a need basis, protect the receivables that matter, or do both.
Capital, protection, or both.
Choose Cash+ when the money exists on paper but not in the account yet.
- You need to fund an order or a supplier payment now
- Your bank limit is fully used, or too slow to draw on
- You want headroom on top of existing lines, not a replacement
Choose Protect when the risk of not being paid is the thing you carry.
- A large buyer, or a concentrated few, dominate your book
- You sell to unrated buyers and cannot price that risk
- You want to turn receivables into stronger collateral
Many businesses use both. One connection covers each of them.
Before you get in touch.
No. Cash+ is designed to sit on top of the lines you already hold. We look at your existing limits with banks and other financial institutions and provide headroom above them, or a fresh need-based limit where that fits better.
Each drawdown is a short-term loan of 30 to 180 days, repaid as the receivable is collected. You carry capital only while it is working, so an undrawn limit does not sit as debt on your books. Pricing is confirmed by the lending partner at sanction.
Not as part of assessing you. Where receivables protection is arranged, buyer-level assessment happens through our insurer and surety partners in the normal course.
Yes. Unrated buyers are the segment most cover ignores. We assess them on payment behaviour and our own read on the name, then arrange cover priced to your buyer mix.
Working capital facilities are provided through our NBFC arm and FI partners, subject to their credit policies. Receivables protection is arranged with and underwritten by licensed insurer and surety partners.
We work with businesses operational in South India, with GST turnover above Rs 5 crore, trading with recurring B2B buyers.
Connect once, and stay ready.
Tell us a little about your business. We will come back with an indicative limit and next steps.