SME and business lending

Loans for small businesses 6 companies

Small businesses apply online and are judged on their sales, payments and property, rather than on years of paperwork.

LiberisLiberis, a British company with engineers in Mumbai, builds loans into the software and payment platforms that small businesses already use.Mumbai

Care.fiCare.fi lends to hospitals against the insurance claims they are waiting to be paid.Delhi NCRHired recently

Biz2XBiz2X, with engineers in Delhi NCR and Pune, sells banks a platform on which a small business applies for a loan online and is scored automatically.

Optimo CapitalOptimo Capital, with engineers in Bengaluru, lends to small business owners against their property, which an AI model values from digital land records.

PicePice lets small businesses pay their suppliers by card or on credit.

Power2SMEPower2SME, with engineers in Bengaluru, buys raw materials for small manufacturers and finances the purchase.See alsoB2B e-commerce platforms

The tech, explainedMSME loans Revenue-based financing

Invoice finance and debt markets 3 companies

A supplier can be paid now for an invoice the customer will pay later. Larger firms raise loans and bonds from investors on online platforms.

YubiYubi, founded in Chennai, runs a platform on which companies raise loans and bonds from banks and investors.Chennai

KredXKredX, with engineers in Bengaluru, has investors pay suppliers now for invoices that customers will pay later.

360tf360tf, with engineers in Bengaluru and Delhi NCR, sells a platform for financing international trade, including letters of credit.

The tech, explainedInvoice discounting Co-lending and securitisation Trade finance platform

Software for equipment and vehicle lenders 3 companies

Finance companies that lease sewing machines, trucks or cars use this software to approve each deal, collect payments and track the asset.

SolifiSolifi, with engineers in Bengaluru, sells software to companies that finance equipment, vehicles and dealers' stock.Bengaluru

Hive Financial SystemsHive Financial Systems, with engineers in Hyderabad, sells software to finance companies that lease equipment.

ACV AuctionsACV Auctions, with engineers in Chennai, runs online used-car auctions between American dealers and lends them the money to buy.ChennaiHiring nowSee alsoCar dealer software and used-car marketplaces

The tech, explainedLease management software

How it all worksMSME lendingPaying workers now, paid ninety days later.

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What's changing

The loan follows the goods.

Lenders can now see each order, invoice and delivery as it happens. They lend against that trail of goods instead of the owner's property, so more small firms can borrow.