India’s Pioneering Digital NBFC-Factor
Unlocking Short-Term Working Capital Through B2B Transactions
Bridging the Credit Gap between MSMEs and Institutional Buyers.
BEYOND LENDING
Orchestrating Working Capital Flows
We empower MSMEs with fast, customised solutions that turn receivables into immediate Working Capital, fostering stability and growth. Our mission: make trade credit accessible, efficient, and tailored to real business cycles.
Crores Disbursed
Cities Served
Invoices Discounted
Smallest Invoice Factored
PAN-INDIA PRESENCE
of 28 States
of 8 UTs
What we do
Factoring
Turning invoices into predictable Working Capital for MSMEs through structured, recurring transaction flows.
Embedded Finance
Pioneering embedded finance within government procurement ecosystems like GeM Sahay for seamless capital access.
Working Capital Finance
Bringing solutions like Purchase Invoice Finance and Trade Credit Finance to underserved and manpower-intensive MSMEs.
FACTORING
Bringing the Power of Factoring to Underserved MSMEs
Instant cash flows to bridge the credit gap
GeM SAHAY
Embedded Finance to Access the Largest Pool of Buyers in India
So MSMEs never miss an opportunity.
TECHNOLOGY
Proprietary Tech Leveraging India’s Digital Public Infrastructure for Fast, Real-Time Working Capital Disbursal
Transforming MSME Financing across millions of small-ticket B2B Transactions
OUR IMPACT
Working Capital for Manpower-Intensive Businesses
Driving impact by enabling those left out of traditional credit
Get in touch
Learn More From
Frequently Asked Questions
You can fill out the contact form on this page or schedule a call with our team, and a relationship manager will connect with you to understand your business requirements.
Manufacturers, Service Providers, Distributors, and other MSMEs looking for Working Capital Solutions for their B2B trade should apply for financing with 121 Finance.
Once the required documents are collected, funding can typically be processed as fast as within a day, helping businesses maintain a smooth cash flow.
121 Finance specializes in Working Capital Financing solutions for MSMEs, including Receivable Finance, Trade Credit Finance and Purchase Invoice Finance.