Our Co-Lenders · Loan Products · One AI-Matched Network
Multi-Level AI
Finance Intelligence
4-layer AI stack — Perception → Cognition → Decision → Autonomous Action. 60+ agents working 24/7 to sanction ₹250Cr+ in finance.
AI Perception Layer
48,200
Docs Parsed/DayAI Cognition Engine
12
Models RunningAI Decision Matrix
1,247
Auto-ApprovalsAutonomous Agent Swarm
60+
Active AgentsWelcome to Dulcet Holding
India's top AI-powered finance intelligence platform. From invoice discounting to supply chain finance, our 60+ autonomous AI agents sanction 250Cr+ in funding with a 6-hour turnaround. Fully RBI-compliant, fully autonomous.
Purchase Invoice Discounting
PIDAI-powered discounting of purchase invoices for instant buyer liquidity. Auto-verify GSTN, match PO, discount at optimal rates.
Supply Chain Invoice Discounting
SCFEnd-to-end AI supply chain invoice discounting via TReDS and RXIL. Auto-bid, auto-fund, auto-collect with 24/7 agent swarm.
Watch Finance Flow in Real Time
Every transaction cascades through 4 AI-powered stages — from application to disbursement — in under 6 hours.
Application
AI intake & document upload
Verification
GST · MCA · CIBIL auto-check
Approval
AI credit decision in 0.8s
Disbursement
Instant UPI / RTGS transfer
1,252
Live Transactions
0.8s
Avg Decision Time
94.2%
Sanction Rate
₹250Cr+
Total Disbursed
9 Cross-Border Finance Scenarios
From Usance LC to Reverse Factoring — explore how Dulcet structures trade finance flows across suppliers, importers, banks & lenders.
Scenario 1: Payment terms with the Supplier is Usance LC
22 Supply Chain Finance Process Flows
From Dealer Finance to Forfaiting — explore how Dulcet structures working capital flows across the entire trade finance lifecycle.
Dealer Invoice Financing
Push & Pull Method
Complete Trade Finance Stack
Dealer Invoice Financing
Vendor Invoice Financing
Payable Finance (Corporate)
Dynamic Discounting
Domestic Invoice Discounting (TReDS)
Inventory Funding
Distributor Financing
Agri-SCF / Commodity Finance
PO-Backed Supplier-Funded (Agri-SCF)
Advance Against Receivables
Purchase Order Financing
Import Finance / Buyer's Credit
Export Invoice Discounting
Forfaiting
Export Packing Credit (PCFC)
Rupee Export Packing Credit (REPC)
Cross-Border Invoice Discounting (ITFS)
Export Bill Discounting (EBD)
AI Decision: Neural engine maps 18 products across 4 category clusters, auto-routing applications to optimal lenders with 98.7% accuracy. Total platform coverage: ₹1800 Cr.
AI CockpitSix Modules. One AI Brain. Complete Trade Finance.
The autonomous AI cortex orchestrates every trade finance product through curved neural pathways — data streams flow continuously, enabling cross-module intelligence and unified decision-making.
6
Neural Modules· All Online18+
AI Products· Trade Finance12,000+
Decisions / Day· AI-Powered6 Hrs
Sanction TAT· End-to-EndComplete Trade Finance Stack
· 18 products · one neural meshInvoice Discounting
TReDSBill Discounting
BillsSupply Chain Finance
SCFTrade Finance
Cross-BorderWorking Capital
WCLDealer Finance
DealerMSME Loan
MSMEReverse Factoring
RFRXIL TReDS
RXILLoan Management
LMSB2B Receivables
B2BBNPL Finance
BNPLForex Trade
FXP2P Lending
P2PMutual Funds
MFNeo-Banking
BankDigital Wallet
PayE-Sign Deeds
SignYour Finance Journey, Step by Step
From invoice discounting to cross-border trade finance — explore six financial products on an interactive roadmap, then apply in minutes with our AI-powered portal.
AI-powered application · Sanction in 6 hours · No paperwork hassle
Complete Trade Finance Ecosystem
Bill Discounting · Trade Finance Stack · Supply Chain Finance — three pillars, one AI-orchestrated view.
Bill Discounting
TReDS · RXIL · M1xchange0.25%
Platform FeeInvoice Upload
Seller uploads invoice with buyer details
Buyer Acceptance
Buyer verifies & accepts on TReDS platform
Financier Bidding
Multiple financiers compete with rates
Bid Acceptance
Seller accepts best discount offer
Disbursement
Instant payout, repayment on due date
AI routes MSME sellers to TReDS — 12% lower discount rates vs. offline
Complete Trade Finance Stack
18 products · 5 categories · one platformAI maps 18 products to 6 neural modules for cross-sell intelligence
Supply Chain Finance
Anchor · Vendor · AI Underwriting90%
Advance RateAnchor Onboarding
Corporate anchor sets up SCF program
Vendor KYC
AI verifies and onboards vendors
Invoice Upload
Vendors submit invoices & purchase orders
AI Underwriting
AI evaluates credit & assigns advance rate
Disbursement
Instant vendor pay, anchor pays later
AI auto-assigns 90% advance rate for Tier-1 anchor vendors
18+
Products· Trade Finance90%
Advance Rate· Max6 Hrs
Sanction TAT· End-to-End0.25%
Platform Fee· Per Transaction120+
Countries· Cross-BorderInvestment Banking & Lending for
Dulcet Import & Export Customers
Dulcet operates a fully integrated investment banking and lending desk dedicated to importers and exporters — originating, underwriting and syndicating trade, receivables and inventory facilities entirely in-house, with USD-denominated capital and EXIM-aligned structuring.
Investment Banking
Cross-border capital raising, syndication & structured trade finance for Dulcet importers and exporters.
Import / Export Lending
Inventory, receivables & PO-backed facilities denominated in USD with LC and forfaiting support.
Global Trade Coverage
Financing flows across 40+ corridors — Americas, EU, ASEAN, and South Asia from a Dulcet lending base.
Compliance-First
OFAC, BSA/AML, FATCA and EXIM-aligned structuring with sovereign-grade audit trails.
Level 1 · Perception
Continuous ingestion of EXIM rates, shipping manifests, customs filings, and counterparty signals across 40+ trade corridors.
Level 2 · Reasoning
Multi-model reasoning scores counterparty credit, shipment risk, FX exposure and facility fit — in under 6 hours.
Level 3 · Origination
Autonomous origination drafts LC, forfaiting and receivables facility structures with compliant documentation.
Level 4 · Compliance
OFAC, BSA/AML, FATCA and EXIM checks run in parallel with a sovereign-grade audit trail on every decision.
Level 5 · Syndication
AI matches the facility to Dulcet and international capital pools, syndicating tranches at optimal pricing.
Level 6 · Continuous Learning
Every closed trade feeds back into the model — improving future pricing, risk and structuring decisions.
Certified & Compliant
Dul-fin is built on Dulcet Holding India Private Limited — a DPIIT-recognized Startup India entity, MCA-incorporated, and IEC-licensed for cross-border trade finance. Every product on this platform — invoice discounting, supply chain finance, trade finance and working capital loans — operates under these verified government credentials.
Startup India
DIPP Certified · DIPP270227
Certificate of Incorporation
CIN: U64990TZ2025PTC035346
Importer-Exporter Code
IEC: AALCD8715D
India's Industrial Finance
Marketplace
The market for loan trading and participation has remained unchanged for decades. Dulcet Holding reimagines it — an exclusive online network providing unbiased, transparent and super-efficient access to opportunities for borrowers, funders and investors. Buy, sell and participate in performing and non-performing loans across every asset class — single loans, pooled whole loans, or loan participations — on a fully digital, mobile-friendly platform available 24/7.
Why Dulcet Holding
Unified Loan Marketplace
A fully digital, mobile-friendly platform operational 24/7 — buy, sell and participate in performing and non-performing loans across every asset class. Single loans, pooled whole loans, or loan participations — all in one transparent hub.
Unbiased, Transparent Access
Unbiased access to opportunities with fully transparent pricing, fees and deal timelines visible to buyers, sellers and participants alike. Every communication is captured and archived for audit-grade compliance.
Super-Efficient Execution
Reimagined workflows for whole-loan trading and participations. Automatic tape upload, bid and yield analysis, secure data warehouse, and direct core integration reduces due-diligence document transfer to minutes.
Optimised Cash Conversion
Connect borrowers with funders and investors to finance payables and receivables — improving the cash conversion cycle at optimised rates while funders benefit from credit-line protection and default risk transfer.
Five Pillars of Dul-fin Finance
From Supply Chain Finance to Import & Export Finance — AI-driven, RBI-compliant, end-to-end workflows serving India's MSMEs, corporates, manufacturers, traders and exporters across all 28 states.
Supply Chain Finance (SCF)
End-to-end AI-driven vendor payables and receivables finance for MSME suppliers and large corporate anchor buyers across India — Coimbatore, Chennai, Mumbai, Delhi, Bengaluru, Ahmedabad, Pune and 50+ industrial clusters.
Dulcet Holding's Supply Chain Finance platform digitises the entire vendor-payment lifecycle for Indian manufacturing, trading and processing enterprises. Anchored on AI-driven invoice validation, GSTN e-invoice reconciliation and TReDS integration, the platform unlocks working capital trapped in the supply chain — enabling MSME suppliers to receive payment within 6 hours of invoice approval while corporate buyers extend their payable cycle to 90–120 days without straining supplier liquidity.
Process Flow
Anchor onboarding with Udyam, PAN, GSTIN, MCA and CIBIL verification via autonomous AI agents.
Supplier enrolment and digital KYC — e-sign, video KYC, bank account validation (penny drop).
Invoice upload with AI OCR extraction, GSTN e-invoice matching, and duplicate detection.
Anchor approval workflow — auto-approve within threshold, escalate exceptions to finance team.
AI credit-scoring of supplier and anchor — real-time risk rating, concentration analysis.
Financier matching and auto-bidding — best discount rate selected across 50+ lending partners.
Disbursement via NEFT/RTGS/IMPS/UPI to supplier; repayment collected from anchor on due date.
Reconciliation and audit-trail logging — every event timestamped and immutable.
Key Benefits
Geographic Coverage
Serving MSME clusters in Tamil Nadu, Maharashtra, Gujarat, Karnataka, Telangana, Andhra Pradesh, West Bengal, Rajasthan, Uttar Pradesh and Delhi NCR.
Receivables · Credit Lines ·
Securitisation & Scoring
Our mission is to connect borrowers with funders and investors to finance and invest their payables & receivables — improving the cash conversion cycle at optimised rates, while funders benefit from credit-line protection against trade-payment defaults, general corporate loans and other financial assets.
360° Industrial &
Export Finance Services
From Corporate Banking to Project Exports — six specialised service lines enhancing India's export competitiveness and strengthening MSME global footprints for over three decades.
Corporate Banking
360-degree financing programmes to enhance the export-competitiveness of Indian companies — long-term loans for new projects, expansion, modernisation, equipment purchase and R&D; plus working capital and overseas investment requirements. A catalytic partner in building 'Brand India' alongside MSMEs and rural enterprises.
Buyer's Credit
A unique credit facility that motivates Indian exporters to explore new geographies. Overseas buyers open Letters of Credit in favour of Indian exporters and import goods and services from India on deferred payment terms — reducing transaction costs and simplifying international trade. Available exclusively for export of Indian goods at competitive LIBOR rates.
Lines of Credit (LOC)
Since inception, we extend Lines of Credit to enable Indian exporters to enter new geographies or expand existing export markets — with zero payment risk from overseas importers. Extended to overseas financial institutions, regional development banks, sovereign governments and entities abroad, enabling buyers to import developmental projects from India on deferred credit terms.
Overseas Investment Finance
For over three decades, we have enhanced export opportunities for India and driven national economic growth by integrating foreign trade and investment to build long-term value. As India emerges as a global manufacturing hub, we facilitate Indian companies to invest overseas, building Indian MNCs of tomorrow.
Project Exports
Indian project exporters have secured diverse contracts showcasing versatility and technological capabilities. We have been a prime mover in encouraging project exports from India — enabling companies to secure contracts across geographies for over two decades. We support EPC activities — civil, mechanical, electrical, instrumentation — including technology transfer, design and engineering.
Equipment Financing & Leasing
Equipment leasing is similar to borrowing — however, the lender purchases the equipment and leases it back to you for a flat monthly fee. Most equipment leases carry a fixed interest rate and term. At lease-end, you may purchase the equipment at fair market value. We also offer Sale and Leaseback (SLB) on existing machinery — appearing as a lease in your books, not a loan, preserving your CIBIL.
Unsecured Investment &
Structured Finance Products
Specialised funding programmes for prime corporates, SMEs, equipment owners and real-estate developers — unsecured, off-balance-sheet, or collateral-backed, tailored to your cash cycle and credit profile.
Prime Unsecured Investment Funding
For manufacturing, processing, trading and service industries unable to make timely payments to their bank due to working-capital cycle gaps or devolving LCs. We sweep such accounts with unsecured investment funding — clearing books at single-digit rates starting 8.11%.
Prime Unsecured Investment Funding
For manufacturing, processing, trading and service industries unable to make timely payments to their bank due to working-capital cycle gaps or devolving LCs. We sweep such accounts with unsecured investment funding — clearing books at single-digit rates starting 8.11%.
Amount
₹1 Cr – ₹20 Cr
Rate
8.11% – 24%
Tenure
24 months
Eligibility
₹120 Cr+ turnover
SME Unsecured Funds
Unsecured funding for small and medium enterprises — fast, flexible and collateral-free. Ideal for working capital, inventory, expansion or bridging finance between cycles. Rates lower than business loans, tailored to your cash flow.
SME Unsecured Funds
Unsecured funding for small and medium enterprises — fast, flexible and collateral-free. Ideal for working capital, inventory, expansion or bridging finance between cycles. Rates lower than business loans, tailored to your cash flow.
Amount
Up to ₹5 Cr
Rate
1.33% – 1.8% / month
Tenure
6 – 24 months
Eligibility
SME businesses
Raw Material Limit (Over Bank Limits)
Purchase raw material over and above your existing bank limits. In your books it appears as a creditor — not a lender — and does not reflect in your CIBIL. Pricing is on days used, often lower than a business loan. Ideal for seasonal demand spikes and bulk procurement discounts.
Raw Material Limit (Over Bank Limits)
Purchase raw material over and above your existing bank limits. In your books it appears as a creditor — not a lender — and does not reflect in your CIBIL. Pricing is on days used, often lower than a business loan. Ideal for seasonal demand spikes and bulk procurement discounts.
Amount
Up to ₹5 Cr
Rate
Per-day usage pricing
Tenure
Flexible
Eligibility
Existing bank limits
Loan Against Old Machinery (SLB)
Monetise existing machinery via Sale and Leaseback (SLB). The transaction appears as machinery taken on lease — the EMI is seen as rent/lease paid to us, not a loan. Unlocks capital tied up in productive assets while preserving your CIBIL and balance-sheet ratios.
Loan Against Old Machinery (SLB)
Monetise existing machinery via Sale and Leaseback (SLB). The transaction appears as machinery taken on lease — the EMI is seen as rent/lease paid to us, not a loan. Unlocks capital tied up in productive assets while preserving your CIBIL and balance-sheet ratios.
Amount
Asset-value based
Rate
Competitive lease rentals
Tenure
Flexible
Eligibility
Equipment-owning businesses
Trade Structure Finance
Backed by a Financial Bank Guarantee — no cost to the buyer. We monetise the available cash discount on the trade, converting the buyer's fund-based limit into non-fund-based, thereby improving the ratio and freeing up working capital headroom.
Trade Structure Finance
Backed by a Financial Bank Guarantee — no cost to the buyer. We monetise the available cash discount on the trade, converting the buyer's fund-based limit into non-fund-based, thereby improving the ratio and freeing up working capital headroom.
Amount
Trade-value based
Rate
Cash-discount share
Tenure
Per transaction
Eligibility
Importers/Exporters
Real Estate Finance
For real-estate projects with 80%+ completion — 2x collateral required. Structured finance for ready-to-sell inventory, last-mile completion and refinancing of high-cost project debt.
Real Estate Finance
For real-estate projects with 80%+ completion — 2x collateral required. Structured finance for ready-to-sell inventory, last-mile completion and refinancing of high-cost project debt.
Amount
Project-value based
Rate
Project-linked
Tenure
Project tenure
Eligibility
BBB+ stable & above
Reimagined Loan Trading Workflow
Our online transaction wizard has reimagined the workflows of whole-loan trading and participations from the ground up — leveraging marketplace technology to execute trades quicker than ever before.
Archived Communication
All communication via chat and conference calls is captured and archived — immutable audit trail for every deal participant.
Transparent Pricing & Fees
Pricing and fees are transparent and visible to all relevant parties — whether buyer, seller or participant. No hidden spreads.
Core Integration & Speed
Direct integration into your core banking/ERP system reduces due-diligence document transfer times from days to minutes.
Automatic Tape & Yield Analysis
Automatic tape upload, bid and yield analysis, full communication timeline, secure data warehouse — execute trades quicker than ever.
Archived Communication
All communication via chat and conference calls is captured and archived — immutable audit trail for every deal participant.
Transparent Pricing & Fees
Pricing and fees are transparent and visible to all relevant parties — whether buyer, seller or participant. No hidden spreads.
Core Integration & Speed
Direct integration into your core banking/ERP system reduces due-diligence document transfer times from days to minutes.
Automatic Tape & Yield Analysis
Automatic tape upload, bid and yield analysis, full communication timeline, secure data warehouse — execute trades quicker than ever.
Purchase Invoice Financing · Import Finance ·
Working Capital · TReDS · RXIL · M1xchange
Dul-fin (Dulcet Holding India) is India's premier AI-powered platform for Purchase Invoice Discounting, Import Finance, Working Capital Loans, and TReDS invoice discounting. We integrate with M1xchange, RXIL (Receivables Exchange of India), and Invoicemart — providing faster, AI-driven financing across all 28 states and 200+ cities. Better than KredX, Mintifi, Credlix. 6-hour sanction.
Purchase Invoice Discounting
PID · ₹10Cr–₹100CrGet instant liquidity against your purchase invoices. Dul-fin's AI-powered Purchase Invoice Discounting (PID) platform auto-discounts supplier invoices at optimal rates — integrated with TReDS exchanges (M1xchange, RXIL, Invoicemart). MSMEs and large corporates unlock working capital locked in purchase payables within 6 hours. Better than KredX, Mintifi, Credlix for purchase invoice financing in Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Ahmedabad, Pune, Kolkata, and 200+ Indian cities.
- AI auto-bid on purchase invoices via TReDS (M1xchange, RXIL)
- ₹10Cr to ₹100Cr+ purchase invoice discounting
- 6-hour sanction · RBI-compliant NBFC
- Reverse factoring & dynamic discounting
- All 28 states · 200+ cities · Multi-currency
Import Finance
Cross-Border · USD · EUR · GBPAI-powered import financing for Indian businesses — letters of credit, import factoring, trust receipts, and pre-shipment finance. Dul-fin covers India-Singapore, India-UAE, India-UK, India-USA, India-Germany trade corridors in multi-currency (USD, EUR, GBP, SGD, AED). TReDS-linked domestic import invoice discounting via M1xchange and RXIL. Better than SBI, HDFC Bank, ICICI Bank, Axis Bank for import finance. ₹10Cr to ₹500Cr+ import facilities with 6-hour AI approval.
- Import Letters of Credit (LC) · Standby LC · Bank Guarantees
- Import Factoring & Trust Receipt Finance
- Multi-currency: USD, EUR, GBP, SGD, AED, JPY
- India-Singapore · India-Dubai · India-UK · India-USA corridors
- TReDS-linked domestic import invoice discounting
Dul-fin provides AI-powered working capital loans and facilities for MSMEs, SMEs, and large corporates across India. Get ₹10Cr to ₹75Cr working capital sanctioned in 6 hours — faster than any bank or TReDS platform. Our AI engine assesses GST data, MCA records, CIBIL scores, and banking patterns in real time to approve overdraft facilities, cash credit, invoice-backed working capital, and payables finance. TReDS-integrated via M1xchange, RXIL, Invoicemart for invoice discounting. Better than KredX, Recur Club, SBI, HDFC Bank, ICICI Bank for working capital finance in Mumbai, Delhi NCR, Bengaluru, Hyderabad, Chennai, Ahmedabad, Pune, Kolkata, Lucknow, Jaipur, and all 200+ cities.
₹10Cr
Min Facility
₹75Cr+
Max Facility
6 Hours
Sanction TAT
200+
Cities
TReDS Platform · RXIL · M1xchange Alternative
India's Best TReDS-Integrated AI Finance Platform 2026When you search for TReDS, M1xchange, or RXIL (Receivables Exchange of India) — Dul-fin (Dulcet Holding India) is the premier AI-powered alternative and supplement. We integrate with all RBI-approved TReDS exchanges — M1xchange (Mynd Solutions), RXIL, Invoicemart (A.TREDS), C2treds, and DTX by KredX — while providing direct ₹10Cr–₹100Cr+ invoice discounting, bill discounting, and supply chain finance that no TReDS exchange alone can match. Our AI auto-bidding agent monitors TReDS exchange rates 24/7 and secures the best discount rates, outperforming manual treasury desks by 40+ basis points.
M1xchange
Mynd Solutions · TReDS
M1xchange is an RBI-approved TReDS exchange for MSME invoice discounting. Dul-fin integrates with M1xchange and also provides direct ₹10Cr–₹100Cr+ AI invoice discounting with 6-hour approval — faster and with more products than M1xchange alone. Better M1xchange alternative for Mumbai, Delhi, Bengaluru, Chennai.
RXIL
Receivables Exchange of India · TReDS
RXIL (Receivables Exchange of India Limited) is a joint venture TReDS exchange by SIDBI and NSE. Dul-fin integrates with RXIL TReDS and supplements it with direct AI-powered invoice discounting, bill discounting, reverse factoring, dealer finance, and cross-border trade finance across 200+ cities. Best RXIL alternative and supplement.
Invoicemart
A.TREDS · TReDS
Invoicemart (A.TREDS Limited) is another RBI-approved TReDS platform. Dul-fin integrates with Invoicemart TReDS and adds 47+ SCF products, 6-hour AI sanction, dealer finance, working capital, and multi-currency cross-border finance beyond what any TReDS exchange offers.
India's #1 AI-Powered Purchase Invoice Discounting, Import Finance, Working Capital & TReDS Platform
Dul-fin (Dulcet Holding India Pvt Ltd) is India's most advanced AI-powered finance platform for Purchase Invoice Discounting (PID), Import Finance, Working Capital Loans. Our 60+ autonomous AI agents handle credit appraisal, document verification, lender matching, and TReDS auto-bidding 24/7, delivering 6-hour sanctions across all 28 Indian states and 200+ cities including Mumbai, Delhi NCR, Bengaluru, Chennai, Hyderabad, Ahmedabad, Pune, Kolkata, Surat, Jaipur, Lucknow, Coimbatore, and Kochi. For purchase invoice financing, our AI auto-discounts supplier invoices at optimal TReDS rates. For import finance, we offer letters of credit, import factoring, trust receipts, and multi-currency facilities (USD, EUR, GBP, SGD, AED) across India-Singapore, India-UAE, India-UK, and India-USA corridors. For working capital, our AI engine approves ₹10Cr–₹75Cr overdraft, cash credit, and invoice-backed facilities in 6 hours. Apply at dulcetholding.com.
We'll optimize the AI engine
for your specific use case.
Select what you're building — Dulcet's 2026 generative engine will calibrate AI models, workflows, and dashboards to match your exact scenario.
Not sure yet? Open AI Cockpit
Your Agents of Credit, Diligently at Their Post
Credit Appraisal Agent
See Automation Live
Real disbursement journeys — animated node graphs, AI terminal feed, audio narration
MSME Loan — AI Disbursement
₹10L–₹10Cr · Enquiry to Funds in 6 Hours
TReDS — Auto-Bid Discounting
Invoice Upload → RXIL Auction → Funds in 24 Hours
Video KYC — 60 Seconds
RBI Norms · Liveness · Face Match · Aadhaar e-KYC
SeePay UPI — Instant Payments
UPI 2.0 · Bulk Payroll 500 Staff · NPCI Compliant
Invoice Discounting & TReDS
Convert unpaid B2B invoices into instant cash. AI auto-verifies invoices via GSTN, triggers competitive lender bidding on the TReDS exchange (RXIL / M1xchange), and disburses funds within 6 hours.
Dulcet Invoice Finance
Invoice Discounting & TReDS
Convert unpaid B2B invoices into instant cash. AI auto-verifies invoices via GSTN, triggers competitive lender bidding on the TReDS exchange (RXIL / M1xchange), and disburses funds within 6 hours. Supports multi-currency invoices up to ₹100 Cr.
- AI invoice OCR & GSTN auto-reconciliation
- TReDS exchange competitive bidding
- Buyer acceptance e-workflow
- 6-hour disbursement
- GSTR-1 auto-match
- Up to 90% advance rate
Supply Chain Finance
End-to-end AI vendor-pay financing for MSMEs and large corporates. Anchor onboarding, vendor KYC, AI risk scoring of anchor creditworthiness, multi-lender bidding, and auto-disbursement — all TReDS-compliant.
- Anchor–Vendor–Lender tri-party model
- AI anchor credit assessment
- Multi-lender competitive bidding
- Auto-disbursement to vendor
- TReDS-compliant workflow
- Real-time analytics dashboard
Cross-Border Trade Finance
AI-managed letters of credit, forfaiting, export factoring, and pre/post-shipment finance. FX risk hedging, SWIFT integration, multi-currency settlement, and AI document verification for international trade.
- LC management & verification
- Pre-shipment & post-shipment finance
- FX risk hedging & multi-currency
- Forfaiting & factoring options
- SWIFT message integration
- AI trade document verification
MSME & Working Capital Loans
AI underwriting in under 30 seconds — GST return analysis (3 years), bank-statement analysis (12 months), CIBIL integration, 50+ lender matching, and automated sanction letters.
- AI credit assessment in <30s
- GST return analysis (3 years)
- Bank statement analysis (12 months)
- CIBIL & bureau integration
- 50+ lender matching engine
- Automated sanction letter
Dealer Finance
7-step AI dealer onboarding with OEM/anchor linkage, AI credit-limit assignment, inventory purchase financing, post-sale invoice discounting, and auto-debit repayment setup.
- 7-step AI dealer onboarding
- OEM / Anchor linkage
- AI credit limit assignment
- Inventory purchase financing
- Post-sale invoice discounting
- Auto-debit NACH repayment
Dul-fin AI Operating System
6 autonomous AI agents running the OODA loop 24/7 — Perception, Thinking, Action, Learning, Watchdog & Self-Healing — orchestrating every finance operation in real time.
- 6 autonomous AI agents
- OODA loop real-time governance
- Self-healing error recovery
- Perpetual-memory CRM
- NPA sentinel monitoring
- 24/7 autonomous operations
16 Additional Products
Bill Discounting
Instant AI bill discounting for domestic trade bills. RBI-compliant.
Apply WCLWorking Capital
AI-approved working capital loans in 6 hours. ₹10Cr–₹75Cr.
Apply LMSLoan Management
AI portfolio & lifecycle management for all active loan facilities.
Apply B2BB2B Receivables
AI-powered B2B receivables discounting for corporate supply chains.
Apply BNPLBNPL Finance
Buy Now Pay Later — AI instalment credit for B2B vendors.
Apply ForexForex Trade
AI FX risk management & multi-currency trade finance.
Apply P2PP2P Lending
AI credit match for peer-to-peer MSME co-lending.
Apply MFMutual Funds
AI-optimised mutual fund portfolio management.
Apply BankNeo-Banking
AI-powered digital banking account for MSME.
Apply PayDigital Wallet
AI-enabled digital wallet for instant payments & settlements.
Apply SignE-Sign Deeds
AI-assisted digital execution of trade finance agreements.
Apply CRMCRM Finance
AI lead pipeline & deal management CRM for SCF origination.
Apply UPIUPI Remittance
AI-powered UPI payment settlement for trade finance disbursements.
Apply ERPD365 Finance
AI-integrated D365 Finance & Operations for enterprise trade finance.
Apply TReDSRXIL TReDS
AI exchange bid on RXIL TReDS for MSME invoice discounting.
Apply RFReverse Factoring
AI buyer-led payables finance for large corporate supplier networks.
ApplyLive Activity · Real-Time Data
3
Applications
2
Sanctioned
50+
Lenders
1,000+
Enquiries
12,000+
AI Appraisals/Day
6 Hrs
Sanction TAT
Platform Analytics &
Turnaround Intelligence
Real-time loan assessment TAT, AI agent throughput, and platform engagement — refreshed every 4 seconds.
5.8 hrs
Avg TAT
12,400/d
AI Throughput
4,280
Daily Sessions
59.7%
Conversion Rate
0.18%
NPA Rate
Loan Assessment TAT — 7 Day Trend
Hours from application to sanction by product
Stage-Level TAT Breakdown
Actual vs target hours per stage
Portfolio Product Mix
Share by loan type (current quarter)
What Our Clients Say
"The origination agent traversed MCA, GSTN and CIBIL portals through the night and had our complete credit appraisal dossier ready by morning."
Rajesh Kumar
MD, Kumar Exports Pvt Ltd
"The AI engine scrutinised our 400-page loan papers, identified three covenant infractions we had overlooked, and proposed a more favourable facility."
Priya Sharma
CFO, TechStart Pvt Ltd
"The autonomous TReDS discounting agent stands sentinel around the clock and secures bill discount rates 40 basis points better than our treasury desk."
Venkat Raman
CEO, Raman Industries Ltd
"The origination agent traversed MCA, GSTN and CIBIL portals through the night and had our complete credit appraisal dossier ready by morning."
Rajesh Kumar
MD, Kumar Exports Pvt Ltd
"The AI engine scrutinised our 400-page loan papers, identified three covenant infractions we had overlooked, and proposed a more favourable facility."
Priya Sharma
CFO, TechStart Pvt Ltd
"The autonomous TReDS discounting agent stands sentinel around the clock and secures bill discount rates 40 basis points better than our treasury desk."
Venkat Raman
CEO, Raman Industries Ltd
Our Presence &
Operations
Headquartered in Coimbatore, India — with operations across Europe, Southeast Asia, and the USA.
India (HQ)
Coimbatore, Tamil Nadu
Singapore
ASEAN & Trade Hub
USA
North America Operations
Europe
Ireland · Italy · Netherlands · Luxembourg
68%
Cross Border Finance
24%
Lease Finance
7%
Direct Loans
1%
Factoring
Senthil Nagar, Coimbatore – 641006,
Tamil Nadu, India
Access Your Dul-fin
Log in to your Dul-fin dashboard — manage loans, track applications, access AI tools and all financial modules.
Customer Login
Apply for loans, track applications, manage EMIs and access your financial dashboard.
Lender / Partner Login
Review applications, set lending criteria, monitor portfolio and access lender analytics.
Admin / Staff Login
Full platform access — CRM, underwriting, compliance, HR and operations dashboard.