Working Capital That Moves as Fast as Your Business.
Invoice Discounting, Machinery Loans, and Term Loans designed for Indian MSMEs and enterprises that can't afford to wait.
Your Success, Our Capital
OUR PRODUCTS
Comprehensive Financing Solutions
Designed around how Indian businesses actually operate across supply chain.
Invoice Discounting (PID / SID)
Convert outstanding invoices into immediate working capital whether you're a buyer-side supplier (PID) or a seller holding a credit...
Anchor Financing
Structured finance programs for enterprise anchors. Pay your vendors early, extend credit to your distributors, and strengthen...
Machinery Loan
Finance the equipment your business runs on. New machinery, production line upgrades, or capacity expansion...
Loan Against Property
Leverage your owned commercial or residential property to access high-value, long-tenure financing at lower cost. Ideal for businesses seeking significant capital for expansion, acquisition, or refinancing existing high...
Business / Term Loan
Flexible term-based financing for working capital needs, operational scale-up, or business expansion assessed on your financial performance and business profile, not just collateral. Suited to both asset-light and...
WHO WE SERVE
Financial Solutions Built for Every Business
MSMEs & Small Businesses
Manufacturers, traders, and B2B service providers who need faster cash flow against invoices and orders.
Growing SMEs
Scaling businesses winning larger purchase orders, entering new markets, and outgrowing their bank credit limits.
Enterprises & Corporates
Large anchor companies looking to strengthen their vendor base and distribution network without balance sheet strain.
Traders & Distributors
Wholesale traders and multi-brand distributors managing high-volume operations with tight working capital cycles.
Manufacturers & Suppliers
Component makers and raw material suppliers selling to OEMs on extended credit terms waiting 60 to 90 days to get paid.
Freelancers & Solopreneurs
Independent professionals seeking flexible financing options to manage cash flow and invest in growth opportunities.
HOW IT WORKS
How Vanik Finance Works
Two simple flows. One platform. Working capital on both sides of your supply chain.
Seller Delivers Goods & Raises Invoice
Seller ships goods to the Buyer and raises a credit invoice with agreed payment terms.
Invoice Uploaded to Vanik Platform
Seller submits the invoice for discounting through Vanik Finance's digital platform.
Vanik Finance Disburses Funds to Seller Early
Vanik Finance releases payment to the Seller against the approved invoice — within 24-48 hours of submission.
Buyer Pays Vanik Finance on Due Date
On the original invoice due date, the Buyer remits the full invoice amount to Vanik Finance. No change to the Buyer's payment schedule.
Ideal for: Sellers who have delivered goods on credit terms and need early access to their invoice value.
WHY VANIK FINANCE
A Partner Built for India's Business Reality
Regulator Transparent, Trustworthy
RBI-registered NBFC with full compliance and transparency.
Technology-driven Credit Underline
Smart platform that evaluates your business, not just your credit score.
Supply chain Finance Expertise
Deep sector knowledge across manufacturing, distribution, and trade.
Rapid Disbursal
Funding in 24-48 hours, not weeks or months.
ELIGIBILITY
Simple Requirements to Get Started
KYC of directors, promoters & company
Last 1 year bank statement
Last 3 years financial statements
Live loan / liability sheet
