Financing is a Journey

We make it simpler for you

Tech-Driven Finance Solutions

A seamless experience with embedded finance.

Financing Real Estate & Urban Infrastructure

Customised financial solutions for real estate and urban infrastructure companies.

Customised Capital Solutions

Cycles of growth financed through corporate lending.

Consolidated Debt Solutions

Holistic loan syndication solutions for corporates.

FinTech for Improved Experience

NioCapital

Collateral-free Financing

We ask for information instead of collateral assets

NioCapital

Transparent, 2 Fees Only

You know exactly what to pay from day one

NioCapital

Flexible Financing

“When? How many invoices?” You choose!

NioCapital

Fully Digital

Consult, register, sign up. Anywhere, any device

NioCapital

Quick Onboarding

We follow up initial inquiries within few hours

Traditional Financing

Asset, Pledge, and/or Insurance: Requested from corporates to approve the application

Various and Unexpected Fees: e.g. Annual ancillary costs, exit fees, maintenance fees, early repayment fees, etc.

Full Sales Ledger: Required to process all receivables for a specified lock-in time

Paper-based, Time Consuming: Rounds of initial meetings, hard copies of certificates and signatures… The withdrawal of funds may require extra authorization.

Lengthy Registration & Set-up: Open an account, branch meetings, and complete long questionnaires for assessment. It takes 3-6 months to finish a credit review.

Solutions for Every Need

Tailored for Your Requirements at Different Times

NioCapital

Industry Niches

We cover a variety of industries, e.g. Manufacturing, eCommerce, Services, Import & Export…

NioCapital

Credit Limits

Adjust your credit limits based on your seasonal requirements and expansion needs.

NioCapital

Counterparts

As your business grows, you have the flexibility to add as many counterparts for financing as you wish.

Our Value Proposition

We are a group of ex-entrepreneurs, finance professionals, and former CEOs with decades of experience in both new ages companies and SMEs.

Fast Deployment

We recognize that you may require capital urgently for various reasons. Our goal is to furnish entrepreneurs with a term sheet within a week, followed by disbursement of funds within 3-4 weeks.

Customized Repayment Schedules

Capital requirements can vary significantly between companies and periods. Therefore, we offer customized repayment schedules to enable businesses to utilize our capital to achieve the highest possible ROI.

Non-dilutive Capital

Our forte lies in providing non-dilutive capital. We refrain from making investments that involve sharing your company's equity upside or influencing your decision-making authority in any way, including through shareholding, board seats, or observer seats.

Significant Capital Deployment

We can offer up to INR 40 Cr of non-dilutive capital directly or through co-investment from our LPs without requiring your company to undergo multiple diligences or create various MIS formats. Our speedy disbursement, coupled with this capability, enables us to fulfill the majority of our partner companies' capital requirements.

Business Model and Entrepreneur - Focussed Evaluation

We can offer up to INR 40 Cr of non-dilutive capital directly or through co-investment from our LPs without requiring your company to undergo multiple diligences or create various MIS formats. Our speedy disbursement, coupled with this capability, enables us to fulfill the majority of our partner companies' capital requirements.

Senior Team’s Network

We offer not only capital but also access to an extensive network of reliable contacts spanning multiple financial institutions and industries. As our partner, you shall gain access to this network, which you can leverage not only for additional capital infusions but also to gain valuable insights into investor sentiment and industry direction.

Oporating Expertise

We offer not only capital but also access to an extensive network of reliable contacts spanning multiple financial institutions and industries. As our partner, you shall gain access to this network, which you can leverage not only for additional capital infusions but also to gain valuable insights into investor sentiment and industry direction.

Investment expertise. Entrepreneurial mindset

Our Mission

We want to combine the best of  Venture Debt and Traditional Debt to create an "Entrepreneur First" Debt Fund for both new-age companies and SMEs. Unlike Venture Debt, we shall never require dilution of an entrepreneur's equity (through warrants), and unlike the fixed EMI in Tradition Debt, our payment schedules will be bespoke to the needs of each company.

Our Vision

Access to capital without diluting equity is an entrepreneur's right and we want to ensure that it is a choice one can exercise even in the most challenging times. Additionally, we want to empower companies to boost their top lines and achieve future fundraising and growth milestones without sacrificing equity, creating a virtuous growth cycle.

Our Values

We embrace a vision built on three key values for entrepreneurs: speed, transparency, and partnership.

We believe in enabling swift decision-making processes and execution, ensuring entrepreneurs can seize opportunities without unnecessary delays.

FAQs

Are you a Venture Capital or Private Equity fund?
  • No - We provide debt, not equity, at a cost much lower than that of equity. Equity capital expects 8-10x returns over 5-6 years.
  • We do not encourage or force unsustainable growth metrics.
  • We do not require a board seat.
  • Our decisions are faster – our process typically takes 1-4 weeks.
  • No requirement for a difficult and lengthy valuation process.
  • How do you differ from other debt financing and venture debt funds?
  • No equity warrants taken.
  • No requirement of prior VC investment.
  • Hard assets or other personal guarantees not always necessary as a collateral.
  • I have very limited fixed assets - will I be eligible?
  • Our evaluation is a function of multiple factors such as profitability, growth, management team, cash projections etc.
  • Absence of fixed assets does not preclude us from investing in you.
  • Do you replace other types of growth capital? i.e. capital from angels, VCs, PEs etc?
  • Our growth capital serves as a supplement to other types of funding rather than a replacement.
  • Our firm expects that earlystage businesses can utilize our investment to prepare themselves for a suitable and advantageous equity investment in the future, without being excessively diluted.
  • We are open to working with co-investors of any kind and can even introduce you to potential partners depending on your funding requirements.
  • Is it possible to prepay the total amount?
  • Prepayment is a rare occurrence for us.
  • But we may consider it on a case-by-case basis in exceptional circumstances as outlined in our agreement.
  • Do you provide follow-on funding?
  • We want you to think of us as your partners throughout your growth journey.
  • We will always be open to discussing a new round of funding.