Capgrowth maps how your business actually runs (working capital cycles, recurring revenue, capex, industry profile) to the right mix of finance instruments across a lending network. One team, the right-fit option, no guesswork.
Working capital lines assume a business that buys, holds and sells inventory on a short cycle, great for manufacturing, retail or trading. A capex-heavy or subscription-revenue business runs on a completely different clock, and the wrong product means additional cost, mismatched repayment, or capital that simply isn't available to them.
Most businesses only know the two or three products their bank or existing lender offers. They rarely see the full menu, or find out which instrument was actually built for a business like theirs.
One lender, one product, offered because it's what's on the shelf, not because it fits your cash flow or industry profile.
Your business profile is matched against every relevant finance instrument and lender, then structured and negotiated on your behalf.
Capgrowth sits inside your business the way an in-house treasury function would: understanding your cash flow, your risk, and your growth plans, then goes out and sources, structures and manages the finance capital that fits.
We don't sell one product. We look across working capital, term loans, invoice financing, revenue-based financing, venture finance and structured finance, and bring you the ones that actually fit.
A lower-risk, asset-backed business and a higher-risk, high-growth one need different structures, pricing and lenders. We match accordingly, not by default.
Capital needs change as your business grows. We stay on as your outsourced treasury desk: revisiting structure, adding lenders, and renegotiating as you scale.
Your business model determines which finance instruments make sense. Here's how we typically think about it: explore the full product set on the products page.
Short, repeatable cycles of buying inventory and collecting on sales.
Fits: rotational / working capital limitsPredictable recurring revenue, light on physical assets to pledge.
Fits: revenue-based financingLarge, lumpy investments in equipment, capacity or property.
Fits: term loans, structured financeRevenue tied up in receivables and long payment cycles.
Fits: invoice & receivable financingWe start with your cash flow cycle, revenue model, existing financing and growth plans, not a product pitch.
We shortlist the finance products that genuinely fit your industry profile and repayment capacity.
We take your profile to the relevant lenders in our network and negotiate terms on your behalf.
Once capital is in, we keep managing the relationship: renewals, top-ups and restructuring as you grow.
A quick look: full detail, fit and mechanics on the products page.
Cash credit and overdraft lines that revolve with your buying and selling cycle.
Learn more →Unlock cash tied up in unpaid invoices instead of waiting out payment terms.
Learn more →Capital against predictable recurring revenue, repaid as a share of what comes in.
Learn more →Financing structured against leased-out property, equipment or other hard assets.
Learn more →Runway extension for funded startups, and bespoke structures for complex situations.
Learn more →Letters of credit, bank guarantees and export credit that reduce risk in domestic and cross-border trade.
Learn more →Pre- and post-shipment funding to move goods across borders without straining working capital.
Learn more →Most businesses either overpay for the wrong product or don't know a better one exists. We exist to close that gap.
We're not tied to a single lender or product, so the recommendation starts from your business, not our shelf.
Repayment schedules are built to match when your money actually comes in, not a generic template.
As your business changes, we revisit the structure with you, the way an internal treasury team would.
Tell us how your business runs. We'll tell you what actually fits.
Share a few details about your business and a member of the Capgrowth team will get back to you.
India