Working Capital with Measurable Developmental Impact
121 Finance enables underserved MSMEs to access frictionless Working Capital through embedded financial infrastructure – supporting livelihoods, expanding economic participation, and strengthening local economies across India.
Finance Designed to Expand Opportunity
121 Finance focuses on financing service-oriented and manpower-intensive MSMEs that are traditionally underserved by formal credit systems. By embedding finance directly into transaction ecosystems, 121 Finance helps businesses improve cash flow, participate in larger supply chains, and create sustainable livelihoods in communities often excluded from institutional capital access.
Financial Inclusion
MSME Enablement
Embedded Finance
Livelihood Creation
Inclusive Growth
Economic Participation
Aligned with measurable development goals
SDG 1 - Reduced Poverty
Supporting entrepreneurs with access to formal Working Capital to help lift communities out of poverty
SDG 8 - Decent Work & Economic Growth
Helping businesses create jobs, expand operations, and sustain livelihoods across sectors
SDG 5 - Gender Equality
Enabling participation and preferential support for women entrepreneurs within underserved manpower-centric MSMEs
SDG 10 - Reduce inequality
Reducing inequalities within communities relying on small businesses by democratising access to Working Capital
Built for scalable and measurable inclusion
Manpower Impact
Supporting manpower-intensive industries such as security services, housekeeping, logistics, and workforce-driven MSMEs.
Working capital that protects and creates livelihoods.
Preferential Support for Women Entrepreneurs
Targeted financing support for women-led businesses and female entrepreneurs participating in supply chains.
Expanding access to capital where it has historically been limited.
Green Liquidity
Prioritizing financing for MSMEs operating in green economy sectors and WASH ecosystems (Water, Sanitation, and Hygiene).
Supporting businesses solving environmental and public health challenges.
No Business Too Small
From financing invoices as small as ₹27 to financing businesses in remote non-serviceable regions, no business left behind.
Making financial infrastructure accessible beyond major urban centers.
Embedded finance creating access at scale
Through GeM Sahay integration, 121 Finance enables MSMEs to access working capital directly within India’s government procurement ecosystem. This creates a pathway for smaller businesses to compete for dependable institutional opportunities that were previously difficult to access.
Proprietary technology infrastructure
Embedded into B2B ecosystems
Designed for high-frequency transactions
Focus on underserved MSMEs
Use Cases & Segments
Government Procurement
GeM Sahay Integration
Embedded Finance
MSME Growth
Powering trade finance at scale through GeM Sahay
121 Finance is among the earliest embedded finance partners on GeM Sahay, enabling MSMEs to access fast, collateral-free working capital at the point of transaction.
