BlackSoil

BlackSoil is an alternative credit platform providing debt financing solutions to high-growth startups, new economy businesses, fintechs, and SMEs that face challenges accessing traditional bank lending.

Core Products and Services

• Short-term working capital loans and runway financing for high-growth startups, new economy businesses, and fintechs

• Asset acquisition and growth capital funding for scalable businesses backed by institutional investors

• Structured debt facilities for financial institutions including fintechs and NBFCs for onward lending

• SaralSCF supply chain finance platform offering digital disbursements, collections, and ERP integrations for SME channel partners

• Supply chain financing solutions covering both purchase and sales invoices for MSMEs

Business Model and Revenue Streams

• Operates as a non-bank financial company (NBFC) providing alternative debt to underserved growth companies, reducing equity dilution while underwriting based on cash flows and institutional backing

• Generates revenue through interest income on structured loans, supply chain finance facilities, and debt products to fintech and NBFC partners

• Focuses on MSMEs, fintech, SaaS, agriculture, healthcare, and climate tech sectors across India

• Builds underwriting analytics and structured facilities for recurring financing needs across portfolio companies

• Scales through long-term partnerships, 360-degree supply chain coverage via anchor partners, and technology-enabled loan origination and management systems for efficient geographic expansion