Seeds Fincap
A non-bank lender providing business and working capital loans to underserved small enterprises in India through local branches and cash-flow-based credit assessment.
Product
Assess the business, then finance its next step
Seeds Fincap lends to small traders, manufacturers and service businesses that have limited access to formal bank credit. It assesses cash flows and operating activity when evaluating borrowers and offers both unsecured business loans and larger loans secured against property. The product range also includes dairy working capital and invoice-based supply chain finance. Loan funds go to the client’s account, with digital repayment options including NACH and UPI.
The lender combines technology and risk assessment with a local branch and field network, supporting entrepreneurs in rural and semi-urban India. It is an operating NBFC, with corporate offices in Gurugram. Its October announcement, reported by YourStory, puts assets under management at INR 722 crore as of August 2026 and describes more branches, field staff and risk monitoring as the next expansion. The INR 1,000 crore loan-book goal for March 2027 remains a target.
Funding history
1 round- >₹1B