Built for the way new-age companies actually grow.
No algorithm deciding your fate and no one passing you along. Six things that make borrowing here different, each worth a minute of your time.
We are an NBFC, and we lend from our own balance sheet.
Many lenders you meet online are marketplaces. They collect your file and shop it to capital providers you will never meet. Valuefin is the capital provider. Our money sits next to your business, and our decision is the only one that matters.
It keeps incentives clean: we only win when you repay, not when you sign.
A decision-maker picks up.
Your file is not scored by a model and queued for a committee you will never see. It is read by the people who decide, and when you call with a question mid-facility, one of them answers.
The underwriter, the relationship and the decision sit in the same chair.
About three days to documents. About two more to money.
An order does not wait for a credit committee. Because the readers are the deciders, we move at the pace of your order book: documentation in about three days, and money about two days after that.
Speed is not a promise on a banner. It follows from how we are built.
Your slice stays whole.
Equity is the most expensive money you will ever raise. A round dilutes you once, and forever. Debt is borrowed, used and returned. Fund the same growth with the same upside and keep what you built.
No equity, no warrants, no board seats, no information rights beyond a monthly MIS.
Debt that is the size of the gap.
Your gap between paying suppliers and getting paid is 30 to 120 days. We structure for exactly that: 30 to 120 days, repaid the day the money lands. No interest for the days you never needed, and a cleaner balance sheet once it is cleared.
As you grow, we can top up your facility after at least 2 completed rotations.
Every rupee we have lent has come home.
Zero NPAs since inception is method, not luck. Before we wire, we underwrite the specific cash event that repays the facility: the marketplace settlement, the buyer's payment, the plan we agreed on. If we cannot see what pays us back, we do not lend.
A lender that underwrites carefully is still here for your tenth cycle. Valuefin Credit Private Limited is an RBI-registered NBFC-ICC, with proper documentation and a real grievance process.
Six reasons. One conversation.
Tell us what you are funding and judge us on the read.