CAPITALSETU

PRIVATE LIMITED
Empowering Growth of SMMB’s ecosystem
OVERVIEW
External Credit Demand
₹ 37 lakh crore In India for MSME’s
Source

Total Credit Gap

₹ 23 lakh crore

For every B2B transaction buying on

credit is a normal practice.
16 % 11.5 %
However, the line of credit is BROKEN at
multiple levels due to inadequate MSMEs with access to formal CAGR of debt demand by
technical infrastructure credit source in India MSMEs
Source Source

This forces entities to delay the payments

or rely on informal sources of borrowing
Loans disbursed to MSME in INR crores
35000
0
Data shows that loans disbursed to 30000
25000
MSMEs have nearly doubled in 0
recent years yet the credit gap 20000
remains the same
0
100000
15000
50000
0 0

Source: MSME Pulse August 2022, TransUnion CIBIL and Sidbi

 CHALLENGES FACED BY SMALL AND MEDIUM BUSINESSES

Cashflow
Digitization
issues

Traditional
Collection options make
PROBLEMS businesses
efforts
debt burdened

No added
Scalability
competitive
problems
advantage

OEM BUYER/DISTRIBUTOR
A typical transaction in SMBs: Vendor Manufacturer /RETAILER
CHALLENGES FACED BY LENDERS

Operational Challenges • Credit to Small and Medium

Creating a scalable technical infrastructure to cater Businesses(SMB) had gathered pace, but
the needs of SMB segment is a cost intensive activity
for any Lender. needs a tech push

Collection Efforts Innovation • Lack of visibility on funds usage (no end

Collection of existing debt can be an intensive Creating programs tailored for a specific
use monitoring) is a major reason
task with ever changing regulatory
compliances
segment requires time and a dedicated
technological division
Lenders avoid doing with SMBs

• Data and the lack of it makes assessment

High CAC
A major reason why a large segment of SMBs
is often neglected by Lenders is the high
customer acquisition cost involved
of SMBs a challenge for any lender
Risk of NPAs
The risk of Non-Performing Assets (NPA) that
are in default or arrears, poses a threat to an
NBFC's financial health and operational
stability.
CAPITALSETU: THE PERFECT SYNERGIC SOLUTION

ABOUT US :

CapitalSetu is a new age Fintech organization that bridges the gap between lenders and businesses

Our in-house SaaS-based solutions not only ensure perfect GTM, they also provide prequalified leads for Supply Chain
finance and help businesses scale

All steps including Onboarding, Assessment, Limit Setup, and repayment are covered by us.

50
SetuX SetuTIP SetuDost
Anchors
onboarded

80IAC

Certification SetuFi SetuPay OrderSetu

of recognition by
GOI
CLIENTS SNEAK PEEK
TRANSACTION FINANCING AS A SOLUTION

" B2B Transaction Financing where both parties are identified and assessed, can help businesses to improve their operations and financial stability."

Benefits of Transaction financing How we created a perfect GTM for Transaction financing

Creating products that bring SMBs to your

End use monitoring ecosystem(SetuBIZ, SetuFi, SetTip)

Filtering the entities that fit the criteria

Can be backed with insurance

Transaction financing has

A thorough assessment of entities
huge market potential
Low risk of NPA through analysis of GST, ITR, Bank and
specially in the SMB
Bureau data
segment
Setting up limit, monitoring it and auto
Can help corporates scale up collection mechanism

Using data to iterate and continuously

Improves cashflow
innovate

Increase in revenue Exposure to multiple business segments Repeat customers

like manufacturing and exports etc.
BENEFITS TO LENDER
IMPROVED RISK ASSESSMENT
Accurately assess the financial health of
potential borrowers, which can help reduce
the risk of lending to parties which do not fit
your criteria
INFORMED STRATEGIC
DECISIONS
PLUG AND PLAY
Identify borrowers who are likely
to repay their loans on time, which
can help improve cash flow and
reduce the risk of default
STREAMLINED LENDING
PROCESS
Streamline your lending process, which
can save time and resources and allow
them to focus on other areas of their
business
ENHANCED UNDERWRITING
Make more informed underwriting
decisions based on comprehensive data
and improve the efficiency
PROCESS
MANAGEMENT
Manage the entire lifecycle of an
SOLUTION applicant easily, get an overview
of all their applications and
history
INCREASED LOAN
ORIGINATION
Identify potential borrowers who meet
your lending criteria, which can lead
to increased loan origination and
revenue
OUR SaaS OFFERINGS

1. ORDERSETU: Order management system

(Premium service that is part of our GTM strategy)

PAYMENTS
ORDER

ORDER
MANAGEMENT
INTEGRATION
SYSTEM PRODUCTS

RETURNS CUSTOMERS

INVENTORY
2. Setufi: Tally का हिसाब अब आपके फोन पर!
(Premium service that is part of our GTM strategy)

Share automated payment reminders via SMS, Email, and Call.

Auto sharing of invoices with all debtors.
Categorize your customers based on payments.
Give your sales team full/limited access to data

Create customized incentives and schemes for debtors

Manage all your receivables in one place
Generate detailed business reports
3. SetuTIP: (Trade Intelligence Platform)
At the heart of services provided by CapitalSetu is our SetuTIP Credit Assessment Engine

Comprehensive overview RRR(Reliable, Real Time, Relevant ) Data Banking & Fraud Analytics

GSTIN Analytics Bureau Assessment ITR Analysis

4. SetuX: Our Supply Chain Finance offering (Anchor Led Programs)

Distributor Finance Distributor to Retailer Finance

Retailer Finance Vendor Finance

It involves extending credit facilities or
funding to retailers, thus ensuring smooth
transactions with suppliers, enhancing
liquidity, and strengthening the overall supply
chain.
5. SetuDost (Business Partner)

Profit Sharing and Financial Incentives Trust in SetuDost's Services

Maximize your earnings with our enticing commission and Place your trust in SetuDost's services, where
financial incentive programs, providing lucrative rewards reliability and excellence come together to deliver
for your successful contributions and dedication. exceptional solutions and satisfaction.

Alignment with Business Goals Transparent and Efficient Process

Experience a transparent and efficient process with us,
Experience a partnership that aligns seamlessly with your
where clarity and effectiveness converge to streamline
business goals, ensuring a synergistic collaboration geared
your journey towards success
towards mutual success and growth.

Exclusive Partner Benefits Addressing a Business Need

Enjoy a unique advantage with our exclusive partner Fulfilling your business needs is our priority. We
benefits, offering tailored advantages that set your specialize in addressing challenges, providing tailored
collaboration apart and contribute to shared success. solutions to ensure your success and satisfaction.

Efficient Payout Cycle Networking Opportunities

Explore networking opportunities with us – your
Experience an efficient payout cycle with us. Timely and
gateway to new connections, collaborations, and
seamless, our system ensures you receive your earnings
business growth.
promptly and hassle-free.
 OUR ROADMAP

STARTED 300 CR DISBURSAL 50+ ACTIVE BUSINESSES

OPERATION till March 2023 for mid to 400+ businesses registered
In August 2021 large corporates by end of 2023

CapitalSetu

Activating the growth of

SMMBs
INCEPTION 100 CR DISBURSAL FUNDRAISE 250+ ACTIVE
Incorporated in September
till June 2022 for mid to In March 2023 by real time BUSINESSES
2020 Angel Fund
large corporates
10000+ Businesses
registered using SaaS
services in our ecosystem
by end of March 2024

Scaling through continuous innovations Focus on customer needs Using the best available tech Iterate
 OUR
OUR LENDING
LENDER LIST PARTNERS
 OUR TEAM

Meet our amazing team

Pankaj Goel Ayushi Gupta Yogesh Vaishnav

CO FOUNDER CO FOUNDER CO FOUNDER & CTO
We Appreciate Your
Time and Attention.
Thank you

Contact Us Our Website

info@capitalsetu.com www.capitalsetu.com

Mobile No.
+91 97736 67355
+91 97736 65917