Mintifi Soonicorn

Core platform positioning for financing the supply chain.

Value pitch to distributors/dealers on growth via financing.

Core product promise on speed and terms.

SMEs that act as dealers/distributors for 300+ large brands, across industries.

Smaller-town/city businesses that Mintifi's platform is positioned to help grow.

Customers authenticate via mobile number to self-serve on Mintifi's web portal -- viewing loan details, performing transactions, pulling account statements, and raising service requests anytime.

Mintifi maintains a direct customer-care phone line and email address for borrower queries, contact-detail updates, and service requests.

Mintifi proactively contacts borrowers with transaction alerts, payment reminders, and other loan-account notifications.

Mintifi runs a dedicated relationship-management function -- Anchor, Account, and Branch Relationship Manager roles -- to directly manage brand-partner and dealer relationships.

Financing/servicing delivered via WhatsApp, marketed as an India-first for the category.

Direct online application channel.

Platform exposes APIs for brand/partner integration.

Point-of-purchase financing for dealers buying inventory from brands.

Revolving credit facility for working capital.

Electronic invoice presentment and payment tooling to reduce reconciliation inefficiencies.

Mintifi Finserve Pvt Ltd is registered with the Reserve Bank of India as a non-deposit taking middle-layer NBFC, the core regulatory asset that lets it lend directly on its own balance sheet.

Mintifi separately secured a factoring license from the RBI, extending its regulatory footprint beyond NBFC lending into invoice factoring.

A proprietary, data-driven tech stack for invoice-backed credit underwriting and monitoring is positioned as Mintifi's core competitive resource.

The on-balance-sheet loan book Mintifi lends from more than doubled in a year, funded by equity raises including its $180M Series E.

Large manufacturers whose dealer/distributor networks Mintifi finances, including Asian Paints, Honda, TVS and Parle Products.

Named partner brands featured on Mintifi's own site.

Accounting-software integration partner.

Dominant revenue line -- interest earned on financing extended to dealers/distributors.

FY24 employee benefits expense, up 65% YoY.

Cost of borrowed capital used to fund the lending book.

Cost tied to inventory-financing operations.