Fuel Your Business Growth Today
Get instant access to credit when you need it most. No paperwork hassles, no endless waiting. Just smart financing that grows with your business.
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Real-time lending insights & analytics
How It Works
Get started with Growfi in three simple steps and unlock the power of smart financing
Sign Up
Quick and easy registration with minimal documentation. Get started in minutes with our streamlined onboarding process.
Transact
Start your business transactions through our platform. Build your credit history with every successful transaction.
Get Credit
Access instant credit based on your transaction history. Grow your business with flexible financing options.
Challenges We Tackle
We understand the unique challenges faced by MSMEs and provide targeted solutions
Payment Delays
Eliminate cash flow disruptions caused by delayed payments
Lost Business Opportunities
Never miss growth opportunities due to lack of working capital
Wasted Collection Efforts
Reduce time and resources spent on payment collections
Retailer Attrition
Retain valuable business relationships with flexible credit
Collection Overheads
Minimize operational costs associated with payment recovery
Informal Economy
Bring transparency and structure to informal business practices
Features & Benefits
Comprehensive solutions designed to accelerate your business growth
Short-Term Loans
Quick access to working capital with flexible repayment terms tailored to your business cycle.
BNPL & Invoice Discounting
Buy now, pay later solutions and invoice discounting to improve cash flow management.
AI Powered Risk Assessment
Advanced AI algorithms for accurate risk evaluation and faster loan approvals.
Digital Onboarding & KYC
Seamless digital onboarding process with automated KYC verification.
Customized Solutions
Tailored financing solutions designed to meet your specific business needs.
Field Expertise
Deep industry knowledge and expertise to guide your business growth.
Mobile First
Complete mobile experience for managing your finances on the go.
Transparent Pricing
Simple and transparent pricing with no hidden fees or charges. All costs clearly displayed in ₹.
Omni-Channel Access
Access our services through multiple channels - web, mobile, and partner networks.
Hassle-free Reconciliation
Automated reconciliation processes to simplify your financial management.
ACE.AI – Our All-Inclusive Credit Engine
Leveraging Generative AI to completely redefine credit underwriting and risk assessment.
Advanced Underwriting & Decisioning
AI-Powered Intelligence
AI-driven Hunter/Dedupe, CERSAI, bureau integrations, e-Sign/e-Mandates, CKYC, criminal checks, and automated decision making.
Intelligence Platform
Advanced Analytics Engine
Advanced analytics, alternative data (utility bills, telecom, social media), behavioral tracking, real-time alerts, and underwriting feedback loops.
Generative AI Advantage
ACE.AI Core Technology
Adaptability, nuanced decision-making, multi-dimensional analysis (financial + behavioral + social cues), bias reduction, and fairer credit scoring.
₹ Transparent Pricing & Collection Overheads
ACE.AI Financial Intelligence
Complete transparency in pricing structures with AI-optimized collection strategies. Real-time cost analysis and automated overhead management for maximum efficiency.
AI-Assisted Video PD
Revolutionary AI technology that detects sincerity through facial expression, body language, and voice tone analysis during personal discussions.
Real-time Detection
Reduced Fraud
Remote Access
AI Video Analysis
Sincerity Detection Technology
Smarter, Faster, Fairer Credit Decisions with ACE.AI
Complete credit assessments in under 10 minutes with unparalleled accuracy, efficiency, and transparency.
Connecting Businesses with Capital
Growfi is a fintech platform that bridges the gap between lending partners and businesses needing capital. We provide different types of credit solutions across various sectors, enabling growth for MSMEs while offering secure investment opportunities for our lending partners.
For Businesses
Get instant credit to purchase from our wholesale anchor partners like Metro Cash & Carry and LOTS Wholesale. Quick approvals with minimal documentation for retailers and businesses.
For Lenders
Secure investment opportunities with diversified risk and technology-driven underwriting for better returns.
Multi-Sector Coverage
Serving retail, e-commerce, manufacturing, and service sectors with specialized credit products.
Our Partners
Partnering with leading businesses and financial institutions to drive growth
Business Partners
Our anchor wholesale partners provide distribution networks where businesses can purchase inventory using credit facilitated through GrowFi's lending partners.
Metro Cash & Carry
Anchor Wholesale Partner
LOTS Wholesale
Anchor Distribution Partner
Lending Partners
Trusted financial institutions providing capital for our comprehensive lending programs
UGro Capital
MSME Financing
Amplio
Investment Solutions