In today’s fast-evolving economy, business financing in India is becoming increasingly agile and accessible, enabling startups and MSMEs to secure collateral-free funding. This shift is empowering businesses to scale faster and compete more effectively in today’s dynamic market.
According to the Reserve Bank of India (RBI) MSME Sector Report, credit demand from MSMEs has grown nearly 20% year-on-year, underscoring the need for alternative funding channels. That’s where Capital by GrowBizh comes in — offering innovative, digital-first financing solutions that empower businesses to thrive without traditional banking friction.
Let’s examine the industries that gain the most from GrowBizh’ growth capital solutions and how smart funding can unlock rapid scalability.
D2C Brands
Why it fits: India’s Direct-to-Consumer (D2C) market thrives on speed and flexibility. Brands often need immediate capital for marketing, influencer partnerships, and inventory restocking.
Market scope: The D2C segment was valued at USD 42.59 billion in FY2024, expected to reach USD 185.21 billion in FY2032, with a CAGR of 20.17%. With over 800 active brands driving online retail, markets are bound to be competitive.
GrowBizh advantage: Through revenue-based financing, GrowBizh empowers D2C founders to fund inventory, advertising, and new product lines without sacrificing equity or waiting for months-long loan approvals.
Retail & E-Commerce MSMEs
Why it fits: Retail and e-commerce businesses experience liquidity gaps between procurement and sales.
Market trend: As per an authorised report, MSME credit market at nearly ₹28 lakh crore in FY23, with digital platforms responsible for 25% of new SME loan disbursements.
GrowBizh advantage: Through high-speed digital approvals and short-term financing, GrowBizh helps merchants restock inventory, optimize logistics, and seize demand peaks.
Manufacturing & Services MSMEs
Why it fits: Manufacturing and service-led MSMEs require steady working capital to purchase raw materials, maintain equipment, support payroll, and expand production capacity. However, traditional lenders often demand high collateral and lengthy paperwork.
Market Trend: Formal credit penetration for small manufacturers remains low — India’s MSME finance gap is estimated at over ₹25 lakh crore annually, pushing many businesses toward costly informal lending sources.
GrowBizh Advantage: With flexible, collateral-light financing and rapid digital disbursals, GrowBizh boosts operational liquidity — enabling businesses to increase output, upgrade machinery, nurture vendor relationships, and fulfill larger orders on time.
SaaS & Tech Services
Why it fits: SaaS and tech-enabled service startups run on subscription-based revenues, where income realization may lag behind growth investments like hiring talent, product development, and global expansion.
Market Trend: India’s SaaS sector is booming — projected to reach $50 billion in annual revenue by 2030 — but access to traditional credit remains limited as banks rarely evaluate forward ARR or recurring cash flow.
GrowBizh Advantage: GrowBizh provides growth-aligned capital solutions based on ARR and predictable revenue streams — helping founders scale products, strengthen cloud infrastructure, and accelerate expansion without equity dilution or cash flow strain.
Micro-Enterprises & Agri-Allied Businesses
Why it fits: As per IDBI MSME Pulse, 2024, India’s 65 million+ micro-enterprises contribute significantly to employment but often lack access to formal finance.
GrowBizh advantage: Through micro-loans up to ₹3 lakh, GrowBizh provides small retailers, agri-traders, and rural service providers with funding that matches their seasonal income cycles.
Food & Beverage Startups
Why it fits: Food entrepreneurs need quick access to capital for kitchen setups, packaging, and logistics.
Market trend: According to Invest India’s Food Processing Sector Snapshot (2024), India’s F&B ecosystem is increasingly adopting alternative and digital lending channels to sustain growth momentum.
GrowBizh advantage: With fast disbursals and flexible repayments, GrowBizh supports F&B businesses as they scale operations sustainably.
India’s Alternative Financing Boom – The Bigger Picture
Understanding Business Financing in India
India’s alternative lending industry is expanding at 26% YoY, projected to reach USD $18 billion by 2028 (Invest India, Fintech Report 2024). Despite contributing almost 30% to India’s GDP, MSMEs receive just 16% of total bank credit (RBI’s Annual Report 2024), spotlighting the financing gap solutions like GrowBizh are bridging.
Final Takeaway
Across sectors — D2C, retail, SaaS, manufacturing, agriculture, and F&B — the demand for quick, collateral-free financing continues to soar. GrowBizh serves as a growth catalyst for India’s new-age entrepreneurs who want funding that moves at their pace and aligns with their business cycles.
If you are an individual then you need to keep aadhar card and pan card ready. If you are running a business keep GST and company PAN details ready along with individual details. Along with KYC we would require last 3 years ITR statement and 6 months bank statement to understand your credit history.