Grow the company
at your own terms.
Orders from Blinkit, Zepto, Amazon and large buyers are the best problem a founder can have, until the cash to fulfil them runs out. We finance that gap, from a ₹60L Blinkit order to a ₹3Cr festive stock-up, with no dilution and in about five days. We are not a marketplace. We are our own NBFC and we lend from our own balance sheet.
The money you are owed, funded today.
If a marketplace or a large buyer owes you, or is about to place an order you cannot yet afford to fulfil, that is what we finance.
Quick-commerce and e-commerce settlements
You have sold the stock and the marketplace owes you. We fund the receivable now, so you are not waiting 30 to 120 days to buy the next batch.
Purchase orders you cannot yet fulfil
The purchase order is in hand, the supplier wants payment upfront and your bank balance is short. We fund the production or stock so the order ships on time and the next one follows.
Invoices from large and listed buyers
Your customer is strong and pays on terms, but your cash is locked in the invoice. We advance against it and you repay when they pay.
Order bigger than your bank balance? See your options.
Put in what you need and what you have. The planner shows the gap, what each way of closing it costs you in ownership and in interest, and a dated timeline from first conversation to money.
Raise equity
of the company, gone for good. Plus a long fundraising process while the order waits.
Banks, marketplace lenders, revenue-multiple platforms
Term loans run 12 months or more and take time to approve. You keep paying interest long after the order is paid.
Cancel or cut the order
of the order lost. The marketplace gives that volume to someone else.
Valuefin: fund ₹70L of the gap
dilution. Debt sized to the cash flow, in use for 60 days, then gone. Repay when the receivable lands.
Choose how many times you use the money in a year and for how many days each time. Valuefin charges interest only for those days. A 12-month term loan charges for all 365.
At 60 days each, all 5 rotations fit in a year, with about 5 days between them.
// Illustrative and interest only. Both sides use the same rate on the same amount, so the only difference is the number of days. Valuefin is charged only while the money is in use, with about 5 days between rotations. The term loan is a 12-month loan with the amount outstanding for the full term. Fees and taxes are not included on either side. Actual rates, fees and terms will change the result.
// Illustrative mechanics, not an offer. *Documentation typically completes about 3 days after the first conversation and money follows about 2 days later. Timing depends on how quickly documents arrive. Equity dilution is shown as the gap divided by the company value plus the gap.
Demand is not the problem. Cash is.
Tick whatever sounds familiar.
Tick what sounds familiar
There are no wrong answers. Each one is a situation we build facilities for.
TELL US WHAT YOU NEED →Borrow for the days you need. Not for 12+ months.
Your gap is 30 to 120 days, between paying a supplier and getting paid by the marketplace. A bank gives you a term loan of 12 months or more. You pay interest on all the days you did not need the money, and the debt stays on your balance sheet long after the order has cleared.
Each block is 30 days. The term loan bar keeps going beyond the edge.
We grow alongside you.
Your first facility is a starting point. As your business grows, what we can fund grows with it.
How top-ups work
Festive sales like Flipkart Big Billion Days or the Amazon festival need 90 to 120 days of stock. A bank will offer a term loan of 12+ months for that. We give a short tenor matched to your cash cycle, and you repay the day the cash lands.
// Illustrative example only. A top-up needs at least 2 completed rotations, and the limit depends on repayment history and business performance.
Equity is the most expensive money you'll ever raise.
A round dilutes you once, and forever. Working capital is borrowed, used and repaid, and your cap table never moves. When it funds revenue growing faster than its cost, that upside still belongs to you and your existing investors.
Built for businesses with momentum.
From your first big listing to your tenth warehouse, the structure scales with you.
Early-stage brands
You just got listed on a marketplace or won your first big order. Fulfilment speed decides whether the next order comes.
Growth-stage companies
Many marketplaces, many cities, bigger purchase orders. You need a partner that raises the ceiling as you scale.
Manufacturers and suppliers
Demand is there, supply is not keeping up. Raw material and production need cash before the buyer pays.
Bridge loans between rounds, without diluting your portfolio.
Zero warrants, zero equity kickers, clean documentation. Route a portfolio company to us.
Tell us what you are funding.
An honest read in days, whether it is a fit or not.