SuperMoney

Supermoney is a Indian fintech platform in digital working capital and supply chain finance solutions for businesses. The company operates at the intersection of financial services and technology, serving large, medium and small enterprises across more than 40 locations in India. Supermoney’s unique value proposition lies in its ability to deliver tailored payments and finance solutions for complex supply chain ecosystems, leveraging partnerships with major brands in sectors such as steel, automotive, FMCG, pharmaceuticals and electronics. 

 Core Products and Services

• Supply Chain Finance: Digital solutions for anchor-led supply chain financing, enabling seamless credit access for distributors, dealers and retailers.

• Working Capital Loans: Term and demand loans tailored for MSMEs, with flexible tenures and competitive rates.

• Merchant Loans (Kirana Loans): Small-ticket, unsecured loans for merchants and kirana stores, supporting day-to-day business needs.

• Purchase Invoice Discounting: Instant liquidity for businesses by discounting unpaid invoices, improving cash flow and working capital cycles.

• Embedded Finance & Platform Integrations: APIs and white-label solutions for brands to embed credit and payment products within their own ecosystems.

• Digital Onboarding & Analytics: Paperless onboarding, real-time credit assessment and actionable insights for enterprise partners.

 Business Model & Revenue Streams

• Interest Income: Core revenue from interest on working capital loans, supply chain finance and merchant lending.
• Fee-Based Revenue: Processing fees, platform usage charges and commissions from invoice discounting and embedded finance solutions.
• Partnership Revenue: Revenue-sharing with partner banks, NBFCs and enterprise anchors for co-lending and distribution.
• Credit Distribution: Commissions and interest income from personal loans, credit cards and BNPL products, which constitute the largest revenue line (100% of revenue is projected to come from financial services, not payments).
• Partnership Fees: Revenue-sharing agreements with banks (e.g., Axis Bank for credit cards) and other financial institutions for distributing their products.

 Top Clients & Partnerships

• Anchor Brands: Partnerships with leading companies in steel, automotive, batteries, tyres, electronics, FMCG and pharmaceuticals, providing tailored finance solutions for their supply chain partners.

• Banking & NBFC Partners: Collaborations with Axis Bank, IDFC First Bank, DMI Finance, Credit Saison India and others for co-lending, credit underwriting, and product distribution.

• Retailer & Distributor Network: Over 30,000 retailers and 500+ distributors, with 50+ anchor brands leveraging Supermoney’s platform for supply chain finance.

• Strategic Investors: Capital 2B, Capria Ventures and Unitus Ventures, providing capital and strategic guidance for scaling operations.

 Future Outlook & Strategic Priorities

• Product Innovation: Expanding embedded finance, digital onboarding and analytics-driven credit solutions to deepen engagement with enterprise partners and MSMEs.

• Market Expansion: Targeting 500,000 MSMEs and $5 billion in invoicing volumes within two years, with a focus on Tier II/III cities and new industry verticals (reflecting recent market trends).

• Technology Investment: Continued investment in AI-driven risk assessment, platform automation and API integrations to enhance scalability and user experience.

• Strategic Partnerships: Deepening collaborations with banks, NBFCs and anchor brands to expand product offerings and reach.

• Regulatory Uncertainty: Evolving digital lending and NBFC regulations could impact compliance costs and operational flexibility.

• Macroeconomic Volatility: Fluctuations in credit demand, supply chain disruptions and MSME sector health may affect growth and asset quality.