Pratik Finansman offers a mobile financing platform that lets users scan QR codes to view their credit limit, complete purchases and repay installments directly from their phone. The service includes a dealer portal that consolidates transaction management for businesses, enabling cash‑flow financing such as installment payments for logistics SMEs.
Funding
Funding not disclosed
Founders
Product
Problem
Logistics SMEs often face cash‑flow gaps when paying freight charges, and traditional financing processes are slow, paperwork‑heavy, and require in‑person visits to banks. This delays purchases and hampers the ability to complete transactions promptly.
Solution
Pratik Finansman provides a mobile application that enables users to scan a QR code and instantly obtain short‑term financing for freight payments, complete purchases, and receive refunds directly on their smartphones. The app streamlines the credit approval workflow, delivering funds in real time without the need for physical documentation. A dedicated dealer portal allows partner businesses to monitor, manage, and reconcile all transactions from a single dashboard, giving them visibility into cash‑flow status and repayment schedules. By integrating financing into the point‑of‑sale experience, the platform reduces payment delays and supports continuous operation for logistics SMEs.
Target Audience
The primary customers are logistics small and medium‑sized enterprises and their affiliated dealers who need rapid, on‑demand financing for freight and related purchases.
Features
- QR‑code based financing request that delivers approved credit to the user’s mobile wallet instantly
- In‑app purchase completion and automated refund processing
- Real‑time credit limit visibility and usage tracking for each user
- Dealer portal with unified transaction overview, status updates, and reporting tools
- Seamless integration with existing logistics payment flows, eliminating manual paperwork