GetVantage Raises Rs 63 Crore to Scale India's Capital Gateway for Small Businesses

Posted on 17th Aug 2026 06:17:21 in Business, Digital Marketing

Tagged as: GetVantage, MSME financing, revenue based financing, startup funding, fintech

Mumbai-based fintech GetVantage has raised Rs 63 crore (around $6.6 million) in a Series A1 round that mixes equity and debt, capital the company will use to scale its "Capital Gateway" — an API-led infrastructure that lets B2B e-commerce platforms, marketplaces and logistics companies embed working-capital financing directly inside their merchant ecosystems. The round, announced on August 5, pushes GetVantage's committed financing capacity beyond Rs 700 crore and underlines how quickly cash-flow-based credit is becoming a mainstream route for India's small businesses to fund growth.

The funding was led by Rajeev Ahuja, former managing director of RBL Bank, and operator-led investment firm SanRaj Group, with continued participation from existing investors Chiratae Ventures, Varanium Fintech Fund and VCMint. With this round, the company has now raised more than $47 million since it was founded in 2019 by Amit Srivastava and Bhavik Vasa.

What the Series A1 Round Brings

GetVantage began as India's first revenue-based financing (RBF) platform in 2020 and has since expanded into a full suite of cash-flow-based lending products, including term loans, business loans and merchant cash advances. The company underwrites businesses using alternative data and predictive analytics — actual cash flows, sales history and growth trends — rather than collateral, fixed assets or rigid balance-sheet history.

The fresh capital has a specific job. According to the company, the injection is expected to unlock hundreds of crores in operational debt capital from its financial institution partners, which will then flow through the Capital Gateway. Founder Bhavik Vasa framed the ambition in simple terms: "Just as payment gateways support a small business to accept digital payments, Capital Gateway supports small businesses to access working capital instantly and seamlessly."

For Indian small business owners, the practical meaning of the round is straightforward: more of the platforms they already sell on — marketplaces, e-commerce sites, logistics hubs — will begin offering credit at the point of need, without a visit to a bank branch or pledging property. GetVantage says it has already helped more than 2,000 businesses, including consumer brands such as Arata, Rage Coffee, The Healthy Company and Elevar.

How Cash-Flow-Based Financing Works

Traditional lending in India has long depended on collateral, years of audited financials and a formal credit history. Cash-flow-based financing flips that model. A lender reads a business's live sales data — from payment gateways, marketplaces, accounting tools and bank accounts — and issues capital against the demonstrated strength of those flows rather than against assets.

Under revenue-based financing, the repayment structure follows the same logic. A business repays a small, pre-agreed percentage of its daily or monthly revenue until the advance and a flat fee are recouped. There are no fixed EMIs and no fixed repayment date; when sales slow, repayments slow with them. GetVantage offers funding from Rs 2 lakh up to Rs 20 crore, with offers typically generated within 48 hours and funds disbursed in under a week. Eligible businesses are generally digital-first — e-commerce sellers, D2C brands, SaaS companies and cloud kitchens — with at least six months of trading history and roughly Rs 5 lakh or more in monthly revenue.

The trade-off is cost: revenue-based capital carries a flat fee that can work out higher than the interest rate on a collateralised bank loan. For a business that cannot pledge assets, or that needs capital in days to stock inventory ahead of a festival season, the flexibility and speed are often what decide the matter. The decision for any small business still comes down to a plan with clear, measurable revenue growth behind it.

The Rs 30 Lakh Crore Credit Gap Behind the Opportunity

GetVantage's expansion is aimed squarely at a well-documented problem. India's MSME sector faces a credit gap estimated at around Rs 30 lakh crore, according to widely cited estimates including research published by SIDBI. Small businesses are frequently shut out of formal credit because of collateral requirements, thin credit histories and documentation hurdles — even when the underlying businesses are healthy and growing.

Policy has been moving in the same direction. The Economic Times reported that GetVantage's model "directly aligns with recent Government calls for customized credit," echoing the Finance Minister's stance that "standard products cannot serve non-standard businesses." Policymakers have been pushing cash-flow underwriting, co-lending and digital credit initiatives to close the gap.

Rajeev Ahuja, who anchored the round, offered his own assessment: "The next decade of India's growth relies on unlocking credit for millions of MSMEs, a massive-scale challenge that cannot be solved by traditional banking models alone. GetVantage has built a robust, tech-first infrastructure that bridges this gap seamlessly."

What Small Businesses Should Watch Next

GetVantage is not alone in this space. It competes with platforms such as Velocity, Klub and Efficient Capital Labs in India's fast-growing embedded-finance market, and the company has said it will announce several seller-financing partnerships with leading digital ecosystems in the coming months. For a small business, each such partnership means one more channel where growth capital may appear inside the tools already used every day.

The broader signal from this round is worth noting: institutional banking expertise, in the form of a former bank chief, is now actively backing cash-flow-based underwriting at scale. When legacy banking veterans and venture investors fund infrastructure that reads a business's live sales data, the direction of SME credit in India becomes clear. Businesses that keep clean digital sales records — through payment gateways, marketplaces and accounting software — are likely to find those doors opening faster.

None of this changes the fundamentals of borrowing. Growth capital is a tool, and it compounds only when it is deployed into inventory, marketing or capacity that generates returns. What is changing in 2026 is that the tool is becoming dramatically easier to reach — and this funding round suggests the pace is only accelerating.

Sources

• The Economic Times — GetVantage secures Rs 63 cr in Series A1 round to scale Capital Gateway for MSMEs
• Inc42 — GetVantage Raises Rs 63 Cr To Expand Its B2B Revenue Based Financing Platform
• YourStory — Fintech platform GetVantage raises Rs 63 Cr in Series A1 round
• Dealroom — GetVantage raises Rs 63 Cr with ex-RBL Bank chief Rajeev Ahuja leading
• GetVantage — Revenue-Based Financing: Growth Without Giving Up Equity