Profectus Capital is a non-banking financial services company that provides tailored financial solutions to individuals and businesses, focusing on asset management and investment advisory. By leveraging data-driven analysis, Profectus Capital enhances financial decision-making and improves capital allocation efficiency.
Funding
$256.5M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many micro, small, and medium enterprises (MSMEs) struggle to access adequate financing due to limited credit history, complex loan application processes, and a lack of traditional collateral. This restricts their ability to modernize, expand operations, and efficiently manage working capital.
Solution
Profectus Capital provides customized financial solutions to MSMEs and schools, enabling sustainable progress and growth. Leveraging sector-specific expertise and future cash flow-based underwriting, Profectus Capital offers tailored SME loans, including term loans for business expansion and working capital, machinery and equipment finance, rooftop solar finance, supply chain finance, and NBFC finance. The company focuses on simplifying the loan process and providing flexible financing options to meet the unique needs of businesses operating in the manufacturing, services, and education sectors.
Target Audience
Profectus Capital primarily serves MSMEs operating in the manufacturing, services, and education sectors, as well as Non-Banking Financial Companies (NBFCs) seeking to expand their lending portfolios.
Features
- Term Loans: Provides funding for capital expenditure and working capital needs.
- Machinery & Equipment Finance: Facilitates the acquisition of essential machinery with flexible tenure and high loan-to-value ratios.
- Rooftop Solar Finance: Offers financing for solar panel installations, reducing energy costs and promoting sustainability.
- School Finance: Provides loans for K-12 schools to modernize infrastructure and adopt green energy solutions.
- Supply Chain Finance: Optimizes working capital by enhancing supply chain liquidity through distributor financing, vendor finance/bill discounting, and merchant cash advances.
- NBFC Finance: Offers term loans for onward lending, enabling NBFCs to expand their portfolios.
- Cash flow-based assessments for tailored terms.
- No secondary collateral required for equipment loans up to Rs 3 cr.