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WHY US

EMPOWERING MSMEs WITH WORKING CAPITAL SOLUTIONS

Working capital is the lifeline of a business. Small businesses lack internal expertise on working capital management. 121 Finance specialises in strengthening operations of such organisations through lending for working capital needs.

DRIVEN BY RELATIONSHIP

Relationship is the cornerstone of our association and transactions. Our philosophy about our borrower is purely relationship based and not short term based.

We work closely with our borrowers to help them be ahead of the curve in assessing their working capital needs.

Customized Products

Our tech platform is equipped to design products suitable to the borrower and offer them options of repayment tenures, keeping their cash flow in consideration.

We offer loans for as short as one day duration.

Reputed Lenders

The trust of our lenders, like AU Bank, Mahindra & Mahindra Financial Services, HDFC Bank etc., our investors, subscribers to our Non-convertible Debentures, our debenture trustee Catalyst Trustee Ltd. and rating agencies like CRISIL, Care Ratings etc. have time and again endorsed not only our financials, but our systems and processes.

Click here to check our credit rating.

Collections Code of Conduct

We strictly follow and abide by the best practices prescribed by the RBI and other regulatory bodies for our collections code of conduct.

The trust of our lenders, like AU Bank, Mahindra & Mahindra Financial Services, HDFC Bank etc., our investors, subscribers to our Non-convertible Debentures, our debenture trustee Catalyst Trustee Ltd. and rating agencies like CRISIL, Care Ratings etc. have time and again endorsed not only our financials, but our systems and processes.

Click here to check our credit rating.

MEMBERSHIPS
121 Finance is a reputed organisation that is well integrated with national and international business finance ecosystem.
TIE Rajasthan
CrifHiMark
Equifax
Experian

121 Finance is about Trust and 3Fs (Focus, Fairness, Friendliness)…

Trust for all our stakeholders; Lenders, so that they trust us for their money; Borrowers, so that they trust us that there are no fine prints;

Focus on Business Finance in general and Working Capital Finance in particular;

Fairness and Friendliness to our borrowers, through tech-enabled services and products.

Dr. Ravi Modani
Founder, 121 Finance