Short-Term Working Capital for MSME Suppliers on the Government eMarketplace (GeM)
121 Finance is a pioneering embedded finance partner on GeM Sahay, enabling MSME suppliers to access fast, collateral-free Working Capital for Govt. Orders. Powered by OCEN and India Stack, we bring credit closer to real business activity.
What is GeM Sahay?
GeM Sahay is a government-backed financing ecosystem that enables MSMEs to access Working Capital against purchase orders on the Government e-Marketplace (GeM).
It integrates financing directly within Government e-Marketplace (GeM), allowing businesses to avail instant, frictionless financing to serve the Government orders without any hassle.
Government-backed Ecosystem
Digital-First Process
Collateral-Free Financing
Integrated into Procurement
Financing Embedded at the Point of Transaction
Seller sends GeM POs as application
Offers received for the GeM POs
Offer Acceptance by the seller
KYC and Documentation
Disbursement to the seller
Repayment by the buyer and settlement
PROBLEMS
- MSMEs face delayed payments in government contracts
- Limited access to traditional credit
- Working capital gaps restrict growth
SOLUTIONS
- Instant access to capital against confirmed orders
- Reduced dependence on collateral
- Ability to take on larger contracts and scale
Instant Financing
Access capital at the point of transaction
Zero Friction
Fully digital, seamless and hassle-free process
Trust Layer
Backed by government procurement flows
Scalable Access
Repeatable financing cycles
Early architects of embedded finance on GeM Sahay
Expanding Access to Government Opportunity
121 Finance has been among the earliest transaction infrastructure partners on GeM Sahay, contributing to the development and scaling of embedded public procurement finance. Our platform enables fast, compliant, and frictionless Working Capital access directly within the GeM ecosystem.
Deep integration with transaction flows
Proprietary technology infrastructure
Real-time credit decisioning
Scalable working capital deployment
Built for Embedded, Real-Time Finance
API-Led Integration with OCEN ecosystem
Automated underwriting and disbursal
Real-time visibility of transactions
Infrastructure for recurring Working Capital flows
Financial infrastructure that moves with transactions, in real time.
OCEN-Democratising Credit for Digital India
121 Finance is proud to be one of the earliest adopters and active partners on OCEN
OCEN (Open Credit Enablement Network) is a transformative initiative designed to democratize credit access in India. By providing a standardized framework, OCEN enables seamless integration between loan agents, lenders, Technology Service Providers (TSPs), and credit guarantee schemes. The network fosters a more transparent and efficient lending process, allowing small businesses to access credit more easily and affordably.
Built For Ecosystem-led Growth
Faster, Data-Backed Lending
Scalable Institutional Partnership Model
Bringing Opportunities Closer to Underserved Businesses
By financing service-led and manpower-driven MSMEs, right on one of India’s most valuable eMarketplaces, 121 Finance enables businesses traditionally excluded from credit to pitch to India’s biggest pool of buyers.