About PaisaDost

PaisaDost (Shubharambh Capital Finance Private Limited) ever since the establishment on 1st March 2017, we have been offering business loans - Secured and Unsecured, Loans against property, Channel financing (also called as Distributor – Dealer Financing, Supply Chain Finance, B2B BNPL,Invoice Finance) and Purchase Financing (also known as inventory funding).

As your partner, we at PaisaDost strive to be a one-stop MSME finance platform for all your money needs. We help you keep control of your finances with our practical and customisable solutions. From small townships to big cities, we offer instruments that can help improve the financial health of your business.

A deep understanding of the business needs of MSMEs allows us to help them with the best possible credit solutions. With our tailor-made finance solutions, we cater to the specific needs of each of our customers. The right credit opportunities allow business to boost their operations and steadily build on their profits.

From the Founder’s Desk - Roonak Agarwal

Being from a business family, ‘money’ was a common dining table discussion. Despite a rather well-established business, the men in the family often discussed how running the ‘money cycle’ was a challenge. As a child, understanding the details was beyond my ability as well as my interest. However, as I grew up, I realised how great it can be to be your own boss. To work hard not for someone else’s but your business.

In a few years' time, while I was ready to venture into the industry, I knew that I had much more to learn. I discovered very quickly that in order to earn money, you need to put in your own money as well! This is when I decided to pursue my MBA (to understand business from a holistic point of view). However, I realised that for most Indians, financial problems were deep-rooted. Hence, I wanted to reach out to as many people as possible and help them solve their money-related issues and give them financial stability. It was then that I developed a keen interest in working in the MSME sector.

It took time, patience and a lot of hard work, but I started to understand the intricacies and nuances of running a business. Today, I can proudly say that working in several NBFCs gave me a lot of exposure to the practical problems that people face when it comes to finances.

India has over 6.33 crore MSMEs, out of which only 40% of the MSME has access to credit. Out of the total credit demand of this sector, 60% is still fulfilled by informal sources. These sources are often very costly or are dependent on the suppliers' credit period. At PaisaDost, we wish to fill this credit gap and become one of the prominent players in the field.