Retail Pe Partnership
FINANCING CHALLENGES ACROSS THE VALUE CHAIN
Banks
Weak retail reach
due to last-mile gaps
Distributors
Working capital
constraints
MSMEs
Manual KYC, collateral
heavy and complex procedures
Retailers
Limited stocking and sales growth
*As a result, sales velocity slows, distributors face inventory pileups, & banks struggle with retail penetration gaps
India's retail ecosystem-is driven by over 60million small retailers, face severe credit limitations
Despite contributing a massive share of national consumption, this segment remains under-financed.
HOW WE ADDRESS THE INDUSTRY CHALLENGES
Instant
digital onboarding
Unique
credit scoring
Quick loan
processes
Improved retail
reach
Reduced capital needs
and faster billings
Increased
stocking capacity
OUR VALUE PROPOSITION
Proprietary True Score algorithm for smarter credit scoring
Easy plug-and-play integrations with partner banks like:
Unique repayment model tied to business cash flows
Enhanced market penetration for partners banks like
Secured Retail shop loans and MF-backed secured lending
STRONG EARLY TRACTION
65K+
Customers, merchants and retailers onboarded
Key technology partners
RetailPe a fintech platform empowering India's small retailers and micro-entrepreneurs with access to instant, paperless credit opportunities with NBFC capabilities Ayush Fiscal pvt. ltd
OUR PHILOSOPHY
“Innovation must serve the common entrepreneur. If technology doesn't simplify life for a small retailer, it's not complete." -
Kousik Chatterjee
India's retail ecosystem-is driven by over 60million small retailers, face severe credit limitations
Despite contributing a massive share of national consumption, this segment remains under-financed.
THE OUTCOME
10-12% sales uplift through increased retailer throughput and higher margin impact up to 3%
Improved distribution efficiency without additional credit burden
Strengthened ecosystem collaboration between banks, distributors, and retailers
Smart Dashboard: Track limits, repayments, and offers
First of a kind unique collection model
PROCESS FLOW
WHY PARTNER WITH US
Proven model resolving long-standing margin conflicts distribution
Technology-ready APIs enable fast integration
Scalable across categories of branches (telecom, retail, digital, etc.)
Higher Revenue Sharing
Proposed Co-Lending Products
Retail Shop/MSME Loan: ₹50,000-₹5 lakh
LAMF (Loan Against Mutual Funds): Real-time lien marking
Gold Loan: Secure phygital operations & vault partners
Soft Skill/Vocational Loan: High-velocity, short-tenure education soft skill financing to cate company employees
Value Addition for Banks
Expanded MSME outreach
Low-cost, tech-enabled sourcing & monitoring
High-quality secured portfolio
Scale-up potential across 50M+ retailers
Banks
Weak retail reach
due to last-mile gaps
Distributors
Working capital
constraints
MSMEs
Manual KYC, collateral
heavy and complex procedures
Retailers
Limited stocking and
sales growth
*As a result, sales velocity slows, distributors face inventory pileups, & banks struggle with retail penetration gaps