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Dul-fin · AI Finance Platform · 2026 · 60+ Autonomous Agents · ₹250Cr+ Sanctioned
Dulcet Holding
4-Layer AI Intelligence Stack

Multi-Level AI
Finance Intelligence

4-layer AI stack — Perception → Cognition → Decision → Autonomous Action. 60+ agents working 24/7 to sanction ₹250Cr+ in finance.

Dul-fin AI Intelligence Stack
LIVE
NEURAL ACTIVITY98.1%
MODULES ONLINE
2/4
L1· Perception

AI Perception Layer

48,200

Docs Parsed/Day
L2· Cognition

AI Cognition Engine

12

Models Running

Deep reasoning LLM cross-analyzes financial ratios, covenant compliance, and risk patterns — producing a 360° credit appraisal in seconds.

12

Models Running

4.2s

Appraisal Speed

98.7%

Accuracy Score

Underwriting AIRatio AnalysisRisk ScoringNPA PredictionCovenant CheckFraud Detect
L3· Decision

AI Decision Matrix

1,247

Auto-Approvals
L4· Autonomous Action

Autonomous Agent Swarm

60+

Active Agents
Welcome to Dulcet
LIVE
Namaste · Welcome

Welcome 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.

6-Hour AI Sanction
RBI Compliant NBFC
250Cr+ Disbursed
Featured Products
Portfolio AUM📈
₹2,847 Cr
+18.4%
Active Loans🏦
12,493
+342
AI Accuracy🎯
98.7%
↑ 0.3%
NPA Rate🛡️
0.82%
-0.12%
Today Disbursed💸
₹43.2 Cr
+26%
SCF Volume🔗
₹891 Cr
+31%

Bill Discounting & Supply Chain Finance

Live portfolio · AI-monitored · Real-time

SCF Facility
₹22.5Cr
3 active deals
Total Disbursed
₹15.0Cr
Across all programmes
Discounting Vol
₹0
Bill / Invoice discount
Portfolio Health
97.4%
NPA < 0.6%
Active Bill Discounting Invoices
0 invoices
Invoice IDBuyerAmountStatus
Total receivable: ₹0
SCF Programme Mix
Vendor Financing
42%₹9.4Cr
Invoice Discounting
31%₹7.0Cr
Dealer Finance
17%₹3.8Cr
Dynamic Discounting
10%₹2.3Cr
✅ Portfolio Status
All invoices on track
Healthy
Avg processing time
4.2 hrs
Discount rate (avg)
10.6% p.a.
Next maturity
N/A
Live AI Activity Stream
✅
AI underwrote MSME loan ₹45L — APPROVED
ago 00:02s
🤖
CRM: 3 leads auto-qualified via intelligence scoring
ago 00:15s
🔗
SCF: Invoice ₹2.4Cr discounted via TReDS
ago 00:31s
🛡️
Risk Engine: NPA flag cleared for Lead #7823
ago 00:47s
📄
Trade Finance: LC/BG verified — compliant
ago 01:02s
📞
AI Calling Agent: Follow-up initiated × 12
ago 01:18s
💸
Disbursement: ₹8.2Cr processed — 4 loans
ago 01:35s
Platform Health
AI Engine98%
Data Layer99%
API Gateway97%
Security100%
Multi-Level AI FinanceUS Import & Export Investment BankingUSD-Denominated Lending6-Hr AI SanctionEXIM-Aligned60+ AI Agents
Immersive Transaction Pipeline

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

1,247txns

Verification

GST · MCA · CIBIL auto-check

1,089txns

Approval

AI credit decision in 0.8s

956txns

Disbursement

Instant UPI / RTGS transfer

834txns

1,252

Live Transactions

0.8s

Avg Decision Time

94.2%

Sanction Rate

₹250Cr+

Total Disbursed

Trade Finance Process Flows

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

Overseas Supplier
1Sale is made against Usance LC with 60 days credit
Indian Importer (Client)
2The Supplier presents documents under LC to the Indian Bank for acceptance
3Acceptance of LC
6The Indian Importer remits the payment to the Lender within 120 days from the funding date
Indian Importer's existing Bank
4The Lender remits the amount to the Indian Bank's Nostro Account on 58th day of the acceptance of LC
Lender (FI/ Trade Funds)
5Pays to Supplier on the due date of LC i.e. 60th day using the funds received from the Lender
SCF & Trade Finance Flow Library

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

OEM / Anchor
1OEM pushes inventory to Dealer on credit terms (Push)
Dealer (MSME)
Distributor
2Dealer raises invoice & requests finance from Lender (Pull)
4Dealer sells goods to end customers
Lender / NBFC
3Lender pays OEM directly against dealer invoice
OEM Receives Payment
5Dealer repays Lender from sales proceeds within credit period (30-90 days)
Scenario 01 of 22 · Domestic SCF
AI-Orchestrated · 18 Products / 4 Categories

Complete Trade Finance Stack

₹1343 Cr

Utilized

74.6%

Avg Util
View All
01
SCF

Dealer Invoice Financing

₹89.1 Cr74.3%
Limit ₹120 Cr Live
Push & Pull Method
02
SCF

Vendor Invoice Financing

₹59.4 Cr74.2%
Limit ₹80 Cr Live
Post-Shipment Finance
03
SCF

Payable Finance (Corporate)

₹105 Cr75.0%
Limit ₹140 Cr Live
Reverse Factoring
04
SCF

Dynamic Discounting

₹66.7 Cr74.1%
Limit ₹90 Cr Live
Early Payment Program
05
SCF

Domestic Invoice Discounting (TReDS)

₹82.5 Cr75.0%
Limit ₹110 Cr Live
Electronic Factoring
06
Inventory

Inventory Funding

₹52.1 Cr74.5%
Limit ₹70 Cr Live
OEM Stock Finance
07
Inventory

Distributor Financing

₹71.3 Cr75.0%
Limit ₹95 Cr Live
Channel Finance
08
Inventory

Agri-SCF / Commodity Finance

₹63.5 Cr74.7%
Limit ₹85 Cr Live
Farm-to-Market
09
Inventory

PO-Backed Supplier-Funded (Agri-SCF)

₹55.9 Cr74.5%
Limit ₹75 Cr Live
Priority Sector Lending
10
Receivables

Advance Against Receivables

₹97.3 Cr74.9%
Limit ₹130 Cr Live
Asset-Based Credit
11
Receivables

Purchase Order Financing

₹74.1 Cr74.1%
Limit ₹100 Cr Live
Pre-Shipment Finance
12
Export/Import

Import Finance / Buyer's Credit

₹86.3 Cr75.0%
Limit ₹115 Cr Live
Cross-Border SCF
13
Export/Import

Export Invoice Discounting

₹67.5 Cr75.0%
Limit ₹90 Cr Live
Post-Shipment Export
14
Export/Import

Forfaiting

₹78.0 Cr74.3%
Limit ₹105 Cr Live
Medium-Term Receivables
15
Export/Import

Export Packing Credit (PCFC)

₹62.9 Cr74.0%
Limit ₹85 Cr Live
Pre-Shipment · Foreign Currency
16
Export/Import

Rupee Export Packing Credit (REPC)

₹71.3 Cr75.0%
Limit ₹95 Cr Live
Pre-Shipment · INR
17
Export/Import

Cross-Border Invoice Discounting (ITFS)

₹75.0 Cr75.0%
Limit ₹100 Cr Live
GIFT City SEZ
18
Export/Import

Export Bill Discounting (EBD)

₹85.1 Cr74.0%
Limit ₹115 Cr Live
Post-Shipment · LC/PO

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 Cockpit
Neural Cortex · Autonomous AI Mesh

Six 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.

LIVE
NEURAL ACTIVITY
98.6%
MODULES ONLINE
6/6
GST_DATAMCA_DATAFX_RATESCIBIL_SCOREUPI_FLOWAML_CHECKAI CORTEXInvoice Discounting4 productsSupply Chain Finance4 productsTrade Finance4 productsWorking Capital4 productsDigital Finance4 productsRisk & Compliance4 products

Autonomous AI Cortex

Hover a module to explore

The AI cortex continuously monitors all six modules, fetching GST/MCA/CIBIL data, running credit decisions, and producing human-in-the-loop recommendations across the entire trade finance stack.

Modules

6

AI Products

18+

Data Sources

GST·MCA·CIBIL

Mode

Copilot

6

Neural Modules· All Online

18+

AI Products· Trade Finance

12,000+

Decisions / Day· AI-Powered

6 Hrs

Sanction TAT· End-to-End
Motion Roadmap · Trade Finance Journey

Your 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.

Invoice Discounting

Invoice Discounting

1

TReDS bidding, RXIL auto-bid, instant liquidity against unpaid invoices

₹2L – ₹5Cr

Per Invoice
Supply Chain Finance

Supply Chain Finance

2

Vendor finance, dealer finance, reverse factoring across your supply chain

90%

Advance Rate
Trade Finance

Trade Finance

3

LC issuance, BG verification, forfaiting and cross-border export finance

120+

Countries
Working Capital

Working Capital

4

Demand loans, cash credit, overdraft and bill discounting facilities

6 Hrs

Sanction TAT
Dealer Finance

Dealer Finance

5

Inventory funding, floor financing and channel finance for dealers

₹50L+

Per Dealer
Export Finance

Export Finance

6

Pre-shipment & post-shipment finance, export bill discounting, forex hedging

USD

Multi-Currency

AI-powered application · Sanction in 6 hours · No paperwork hassle

AI-Designed Layout · Trade Finance Triptych

Complete Trade Finance Ecosystem

Bill Discounting · Trade Finance Stack · Supply Chain Finance — three pillars, one AI-orchestrated view.

Bill Discounting

TReDS · RXIL · M1xchange
AI

0.25%

Platform Fee
STEP 1

Invoice Upload

Seller uploads invoice with buyer details

STEP 2

Buyer Acceptance

Buyer verifies & accepts on TReDS platform

STEP 3

Financier Bidding

Multiple financiers compete with rates

STEP 4

Bid Acceptance

Seller accepts best discount offer

STEP 5

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 platform
AI

AI maps 18 products to 6 neural modules for cross-sell intelligence

Supply Chain Finance

Anchor · Vendor · AI Underwriting
AI

90%

Advance Rate
STEP 1

Anchor Onboarding

Corporate anchor sets up SCF program

STEP 2

Vendor KYC

AI verifies and onboards vendors

STEP 3

Invoice Upload

Vendors submit invoices & purchase orders

STEP 4

AI Underwriting

AI evaluates credit & assigns advance rate

STEP 5

Disbursement

Instant vendor pay, anchor pays later

AI auto-assigns 90% advance rate for Tier-1 anchor vendors

18+

Products· Trade Finance

90%

Advance Rate· Max

6 Hrs

Sanction TAT· End-to-End

0.25%

Platform Fee· Per Transaction

120+

Countries· Cross-Border
About Dulcet — Import & Export Desk

Investment 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.

6-Layer Intelligence Stack

Multi-Level AI Finance Intelligence

Six stacked intelligence layers — perception, reasoning, origination, compliance, syndication and learning — engineered entirely in-house to run import & export finance end-to-end from Dulcet.

● ACTIVE

Level 1 · Perception

Continuous ingestion of EXIM rates, shipping manifests, customs filings, and counterparty signals across 40+ trade corridors.

ManifestsHS CodesFX Feed
● ACTIVE

Level 2 · Reasoning

Multi-model reasoning scores counterparty credit, shipment risk, FX exposure and facility fit — in under 6 hours.

Credit ScoreFX RiskFacility Fit
● ACTIVE

Level 3 · Origination

Autonomous origination drafts LC, forfaiting and receivables facility structures with compliant documentation.

LC DraftForfaitingDocs
● ACTIVE

Level 4 · Compliance

OFAC, BSA/AML, FATCA and EXIM checks run in parallel with a sovereign-grade audit trail on every decision.

OFACAMLEXIM
● ACTIVE

Level 5 · Syndication

AI matches the facility to Dulcet and international capital pools, syndicating tranches at optimal pricing.

TranchesPricingCapital Pools
● ACTIVE

Level 6 · Continuous Learning

Every closed trade feeds back into the model — improving future pricing, risk and structuring decisions.

Feedback LoopSelf-Tuning
Zero external AI APIs
6-hour sanction TAT
Sovereign-grade audit trail
40+ trade corridors
Government Recognized

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.

DOT Registered Number:0422 31 39 239
The Dulcet Holding Funding Platform

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.

Platform Pillars

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.

Core Products · AI-Powered · Maximum Depth

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.

Flagship · AI-Powered

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

1

Anchor onboarding with Udyam, PAN, GSTIN, MCA and CIBIL verification via autonomous AI agents.

2

Supplier enrolment and digital KYC — e-sign, video KYC, bank account validation (penny drop).

3

Invoice upload with AI OCR extraction, GSTN e-invoice matching, and duplicate detection.

4

Anchor approval workflow — auto-approve within threshold, escalate exceptions to finance team.

5

AI credit-scoring of supplier and anchor — real-time risk rating, concentration analysis.

6

Financier matching and auto-bidding — best discount rate selected across 50+ lending partners.

7

Disbursement via NEFT/RTGS/IMPS/UPI to supplier; repayment collected from anchor on due date.

8

Reconciliation and audit-trail logging — every event timestamped and immutable.

Key Benefits

₹10 Cr – ₹100 Cr+ facility limits per anchor programme
6-hour sanction speed with AI underwriting
Reduce Days Sales Outstanding (DSO) by 40–60 days
Improve current ratio and debt-equity metrics for balance sheet optimisation
Replace expensive debt with low-cost payables finance
RBI-compliant, TReDS-linked, GSTN e-invoice integrated

Geographic Coverage

Serving MSME clusters in Tamil Nadu, Maharashtra, Gujarat, Karnataka, Telangana, Andhra Pradesh, West Bengal, Rajasthan, Uttar Pradesh and Delhi NCR.

CoimbatoreChennaiMumbaiDelhiBengaluruAhmedabadPuneHyderabad
Specialised Finance Modules

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.

Increase Working Capital
Access Cash tied up in receivables
Reduce DSO (Days Sales Outstanding)
Replace Debt
Improve Balance sheet metrics
Securitisation of Receivables
True Sale Transactions
Our Services

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 & Structured Funding

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%.

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.

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.

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.

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.

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.

Amount

Project-value based

Rate

Project-linked

Tenure

Project tenure

Eligibility

BBB+ stable & above

Trade · Transaction Wizard

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.

01

Archived Communication

All communication via chat and conference calls is captured and archived — immutable audit trail for every deal participant.

02

Transparent Pricing & Fees

Pricing and fees are transparent and visible to all relevant parties — whether buyer, seller or participant. No hidden spreads.

03

Core Integration & Speed

Direct integration into your core banking/ERP system reduces due-diligence document transfer times from days to minutes.

04

Automatic Tape & Yield Analysis

Automatic tape upload, bid and yield analysis, full communication timeline, secure data warehouse — execute trades quicker than ever.

AI-Powered Finance Solutions · ₹10Cr–₹100Cr+

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.

6-Hour AI Sanction
RBI-Compliant NBFC
50+ Lender Network
₹250Cr+ Disbursed

Purchase Invoice Discounting

PID · ₹10Cr–₹100Cr

Get 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
Explore Purchase Invoice Discounting

Import Finance

Cross-Border · USD · EUR · GBP

AI-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
Explore Import Finance

Working Capital Finance

₹10Cr–₹75Cr · 6-Hr AI Sanction

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 2026

When 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.

AI auto-bid on TReDS exchange (M1xchange, RXIL, Invoicemart) 24/7
Direct ₹10Cr–₹100Cr+ invoice discounting without TReDS dependency
Bill discounting, reverse factoring, vendor finance, dealer finance
6-hour AI sanction vs multi-day TReDS cycles
TReDS-linked MSME invoice discounting across all 28 states
Multi-currency cross-border SCF (USD, EUR, GBP, SGD, AED)
RBI-compliant NBFC · ₹250Cr+ disbursed · 500+ corporates
200+ cities: Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Ahmedabad

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.

Purchase Invoice Discounting · Import Finance · Working Capital · TReDS · RXIL · M1xchange — All in one platform

Generative Engine · Use-Case Optimizer

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

6 Autonomous Agents · Neural Mesh · Live

Your Agents of Credit, Diligently at Their Post

Open AI Cockpit
Active Agents6/6
Tasks Today12,066
Avg Accuracy97.6%
Signals/s10K+
Core
Know Your Agent · KYA
Neural Activity
97.6%

Credit Appraisal Agent

Analyzing 3 dossiers
247Tasks
98.4%Accuracy
AI
Credit Risk
I've appraised 247 loan files this week. Ask me about any credit risk metric.
Live AI Workflow Cinema

See Automation Live

Real disbursement journeys — animated node graphs, AI terminal feed, audio narration

ARIA
7 SCENES

MSME Loan — AI Disbursement

₹10L–₹10Cr · Enquiry to Funds in 6 Hours

NOVA
4 SCENES

TReDS — Auto-Bid Discounting

Invoice Upload → RXIL Auction → Funds in 24 Hours

VERA
4 SCENES

Video KYC — 60 Seconds

RBI Norms · Liveness · Face Match · Aadhaar e-KYC

FLUX
4 SCENES

SeePay UPI — Instant Payments

UPI 2.0 · Bulk Payroll 500 Staff · NPCI Compliant

Layered frosted glass panels on warm grey
TReDS

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.

6-hour
disbursement
Up to 90%
advance rate
₹100 Cr
invoices up to
50+
lender matching engine
Featured

Dulcet Invoice Finance

Invoice Discounting & TReDS
TReDS

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
Invoice Discounting & TReDS
Supply Chain Finance
SCF

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
Supply Chain Finance
Cross-Border Trade Finance
Trade

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
Cross-Border Trade Finance
MSME

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
MSME & Working Capital Loans
Dealer

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
Dealer Finance
Dul-fin AI

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
Dul-fin AI Operating System
Live · Real-Time AI OS

Dul-fin RTOS —
Self-Thinking AI Operating System

6 autonomous AI agents — Perception, Thinking, Action, Learning, Watchdog & SelfHealing — running the OODA loop 24/7 to govern every operation in real time.

RTOS · IDLE
6 Agents · 2 Cycles
Perception
Thinking
Action
Learning
Watchdog
SelfHealing

Live Activity · Real-Time Data

3

Applications

2

Sanctioned

50+

Lenders

1,000+

Enquiries

12,000+

AI Appraisals/Day

6 Hrs

Sanction TAT

Live Performance Intelligence

Platform Analytics &
Turnaround Intelligence

Real-time loan assessment TAT, AI agent throughput, and platform engagement — refreshed every 4 seconds.

-12%

5.8 hrs

Avg TAT

+8%

12,400/d

AI Throughput

+22%

4,280

Daily Sessions

+3.1%

59.7%

Conversion Rate

-0.04%

0.18%

NPA Rate

Loan Assessment TAT — 7 Day Trend

Hours from application to sanction by product

LIVE

Stage-Level TAT Breakdown

Actual vs target hours per stage

TODAY

Portfolio Product Mix

Share by loan type (current quarter)

Q2 2026
Global Footprint

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

3rd floor, Site No. 12, Sathirvedhi Nagar,
Senthil Nagar, Coimbatore – 641006,
Tamil Nadu, India
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