# The FundingKart

> India's widest debt and equity capital marketplace. We connect SMEs, startups, and growth-stage companies with the right lenders and investors — 40+ funding products, 100+ active partners, 7 lending ecosystems, ₹2,400 Cr+ deployed.

## What We Do

The FundingKart is a capital advisory and marketplace platform that facilitates:

- **SME Debt Funding** (₹25L–₹500Cr): working capital loans, equipment finance, invoice discounting, overdraft, and term loans for MSMEs and mid-market businesses
- **Startup Non-Dilutive Capital** (₹1Cr–₹100Cr): venture debt, revenue-based financing, bridge loans, NCDs, structured bonds, and growth term loans — 20 distinct instruments
- **Equity Fundraising** ($100K–$10M): Seed Program ($100K–$2M) and Early Growth Program ($2M–$10M) giving access to 100+ Family Offices, VC funds, and UHNIs
- **Debt Funding Programs**: collateral-free bridge funding ₹2–10Cr (4-week disbursal), VC co-lending, and structured debt programs via Clay Capital × FundingKart
- **VC Portfolio Programs**: co-lending alongside VC investments, co-investing via forthcoming Cat-2 AIF, and portfolio debt $1M–$10M for Series A–C companies

## Our Competitive Advantage

- **Guaranteed fundraise**: For mandates meeting eligibility criteria, The FundingKart guarantees a successful close — or no advisory fee
- **Speed**: Bridge loans disbursed in 4 weeks; term debt structured in 6–10 weeks; equity IC decision in 2 weeks
- **Breadth**: 40+ distinct products across 7 lending ecosystems — widest product shelf in India for SME and startup capital
- **Parallel processes**: Unique ability to run simultaneous debt and equity processes so clients are never left without capital
- **Dedicated relationship manager**: One point of contact from mandate to close, negotiating across every lender or investor

## Key Numbers

- ₹2,400 Cr+ total capital deployed
- 40+ distinct funding products
- 100+ active lending and investor partners
- 7 distinct lending ecosystems
- 12 SME industry sectors served
- 12 startup verticals covered
- Seed Program: 8–12 week close timeline
- Early Growth Program: 10–16 week close timeline

## Who We Serve

- **SMEs & MSMEs**: Businesses with ₹1Cr+ annual revenue in manufacturing, trading, auto components, retail, logistics, healthcare, agri, F&B, education, real estate, and exports
- **Funded startups**: Post-revenue startups seeking non-dilutive capital before or between equity rounds (₹1Cr+ ARR or strong MRR growth)
- **Bootstrapped startups**: Pre-revenue or early-revenue startups needing structured debt alternatives to VC dilution
- **Growth-stage companies**: Series A–C companies seeking structured portfolio debt, VC co-lending, or bridge capital
- **Equity-seeking founders**: Early-stage (Seed) and growth-stage (Series A) founders raising from Indian family offices and VC funds

## Funding Products — Debt

1. Working Capital Loan (SME/startup)
2. Invoice Discounting / Invoice Financing
3. Revenue-Based Financing (RBF)
4. Venture Debt
5. Bridge Loan (₹2–10 Cr collateral-free, via Clay Capital)
6. Growth Term Loan
7. Equipment / Asset Finance
8. Overdraft Facility (OD)
9. NCD (Non-Convertible Debenture)
10. Structured Bond
11. Off-Balance-Sheet Funding
12. Merchant Cash Advance (MCA)
13. Purchase Order Finance (PO Finance)
14. Export Credit / Pre-Shipment Finance
15. Inventory Finance
16. Supply Chain Finance
17. Promoter Loan Against Shares (LAS)
18. Lease Rental Discounting (LRD)
19. VC Co-Lending (debt alongside VC equity)
20. Portfolio Debt ($1M–$10M for Series A–C)

## Equity Programs

- **Seed Program**: $100K–$2M | Pre-Seed / Seed stage | MVP required | 8–12 weeks to close | Typical dilution 10–20%
- **Early Growth Program**: $2M–$10M | Pre-Series A / Series A | $500K+ ARR required | 10–16 weeks to close | Typical dilution 15–25%
- Investor network: 100+ Family Offices, VC funds, UHNIs actively deploying capital
- Sectors: B2B SaaS, Fintech, HealthTech, D2C, AgriTech, EdTech, DeepTech/AI, Climate, EV & Mobility, Logistics, B2B Marketplace, Enterprise Infra

## Pages & Resources

- Homepage: https://thefundingkart.com/
- SME Funding (12+ debt products for SMEs): https://thefundingkart.com/sme-funding
- Startup Funding (20 non-dilutive instruments): https://thefundingkart.com/startup-funding
- Equity Fundraising Network: https://thefundingkart.com/equity-fundraising
- Equity Programs (Seed & Early Growth): https://thefundingkart.com/equity-funding-program
- Debt Programs (Bridge, Structured Debt): https://thefundingkart.com/funding-programs
- VC Programs (Co-Lending, Co-Investing, Portfolio Debt): https://thefundingkart.com/vc-funding-programs
- Join as Investor (Investor Network Application): https://thefundingkart.com/lending-partners
- About: https://thefundingkart.com/about
- Contact: https://thefundingkart.com/contact
- Capital Desk Blog (market intelligence & founder guides): https://thefundingkart.com/blog

## Capital Desk — Published Articles

1. "Why India's SME Credit Gap Is Actually a ₹30 Lakh Crore Opportunity" — MSME credit penetration, GST-based underwriting, co-lending framework (Jul 2026)
2. "Venture Debt vs. Equity: What Every Founder Should Know Before the Next Round" — dilution maths, cap table management, venture debt use cases (Jul 2026)
3. "Bridge Funding: How ₹2–10 Cr Collateral-Free Capital Can Transform Your Runway" — bridge mechanics, Clay Capital program, clean structuring (Jul 2026)
4. "How Family Offices Are Quietly Becoming India's Most Prolific Startup Investors" — India HNI family office ecosystem, deal flow access (Jul 2026)
5. "Invoice Discounting Explained: Turn Your Receivables into Working Capital" — receivables financing, corporate debtor underwriting (Jun 2026)
6. "VC Co-Lending: How Debt Alongside Equity Creates a Capital Stack That Scales" — post-round capital structure, dilution reduction maths (Jun 2026)
7. "The Complete Guide to India's NBFC Lending Ecosystem" — 7 NBFC segments, underwriting criteria, rate arbitrage guide (Jun 2026)
8. "Equity Fundraising in India 2026: What the Data Says" — H1 2026 deal data, sector flows, valuation benchmarks (Jun 2026)

## Contact

- Email: ceo@theclaycapital.com
- Phone: +91 98928 844509
- Offices: Mumbai · Bangalore · Hyderabad · Gurgaon

## Partnership

The FundingKart operates structured funding programs in partnership with **Clay Capital**, a Mumbai-based NBFC/AIF. The Clay Capital × FundingKart program delivers collateral-free bridge funding of ₹2–10Cr with a 4-week average disbursal timeline and co-lending structures for VC-backed companies.

## Full Reference

For a comprehensive AI-readable reference including Q&A, use-case examples, eligibility details, and product comparisons, see:
https://thefundingkart.com/llms-full.txt