Trusted by 5000+ SMEs

Purchase Finance
Reimagined.

Optimize your supply chain with intelligent liquidity. Secure raw materials at scale without tying up your cash flow.

RBI Registered NBFC Compliant & Secure Lending

Instant Eligibility

Unlock your credit limit in 120 seconds

  • Dynamic Interest Rates
  • Capital up to ₹5 Crores
  • 48-Hour Velocity Funding
Check My Limit

The Path to Funding

Transparent criteria. Zero hidden complexities.

Eligibility

MIN TURNOVER

₹3 Crores

VINTAGE

3+ Years Active

Pvt Ltd Partnership Sole Prop

Documentation

  • Business: GSTIN Registration
  • Identity: PAN & Aadhaar
  • Financials: 3 Year Bank Statements

Commercial Terms

  • Base Rate 12% p.a.
  • Processing 1% onwards
  • Penalties 2% per month

Purchase Finance Benefits

Bulk Purchasing Power

Negotiate steep cash discounts by paying your suppliers upfront, drastically lowering your overall raw material costs.

Uninterrupted Cash Flow

Seamlessly bridge the gap between paying vendors and receiving customer payments without draining your cash reserves.

100% Digital Onboarding

Experience a completely paperless application process with rapid approvals, skipping the traditional banking bureaucracy.

Zero Collateral Required

Protect your hard-earned assets. Access unsecured credit lines based purely on your operational performance and turnover.

Accelerated Scaling

Never say no to a large order again. Ensure you always have the immediate liquidity required to execute massive contracts.

On-Demand Disbursements

Simply upload your approved supplier invoices to our portal and get funds disbursed to vendors in hours, not weeks.

Pay-Per-Use Interest

No dead capital. You only pay interest on the exact funds you draw down, for the precise number of days you utilize them.

Tailored Repayment Cycles

Enjoy flexible 60 to 120-day credit terms perfectly aligned with your specific industry's inventory and sales cycles.

Why SMESAATHI?

SMESAATHI provides new-age customized financing products for your business needs

Savings upto 3% on raw material purchases
Unsecured working capital
Affordable interest rates
No foreclosure charges
No part-payment charges
No minimum utilization charges
No new bank account required
Convenient repayments
Approval within 48 hours
One-time processing fee
Digitized process

Frequently Asked Questions

Purchase finance is a working capital solution that allows SMEs to pay suppliers upfront for raw materials. SMESAATHI pays your supplier directly upon invoice submission, and you repay us later based on your agreed credit terms, helping you secure cash discounts and manage cash flow.
SMESAATHI primarily specializes in collateral-free, unsecured purchase finance to help you scale without tying up physical assets. However, depending on the credit limit required and your financial profile, secured options may be discussed with your relationship manager.
To be eligible, your business typically needs a minimum turnover of ₹3 crores and an operational vintage of at least 3 years. We support Public Limited, Private Limited, Sole Proprietorships, and Partnership entities.
Eligible SMEs can access unsecured credit limits up to ₹5 Crores, subject to financial assessment and underwriting approval.
Our interest rates are highly competitive, starting from 12% per annum. Importantly, you only pay interest on the exact amount utilized for the precise number of days you use it.
Once your credit line is approved and supplier invoices are submitted, funds are disbursed instantly (typically within 48 hours) directly to your supplier's bank account.
Unlike a regular term loan where a lump sum is deposited into your account, purchase finance is a revolving credit line designed specifically for supply chain liquidity. Funds are paid directly to suppliers against invoices, ensuring end-use and often resulting in better interest rates.
Yes! Your approved credit limit can be utilized across multiple verified suppliers simultaneously, giving you total flexibility in your procurement process.
While we are flexible, our solutions are optimized for growing SMEs. We generally recommend applying if your regular procurement invoices exceed standard micro-financing thresholds. Contact our team for specific minimums based on your industry.
Applying for a credit limit involves a standard hard inquiry, which is recorded on your credit report. However, consistent and timely repayments on your SMESAATHI credit line will positively build and strengthen your business credit score over time.
We offer flexible repayment cycles ranging from 60 to 120 days. Depending on your business needs, this is typically structured as bullet repayments aligned precisely with your cash conversion and sales cycles, rather than rigid monthly EMIs.
Yes, SMESAATHI operates strictly within regulatory guidelines and facilitates lending through RBI-registered NBFC partners, ensuring a secure, compliant, and transparent financial experience.
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