| Supply Chain Financing | Invoice discounting, dealer and vendor financing, factoring, and working capital solutions. | RBI license, CRISIL AA rating, integrated tech platform, strong relationships with large corporate anchors. | B2B clients including distributors, dealers, vendors, and logistics providers across India. | Deep-tier dealer financing and factoring services. | 1200 | 70 | Interest income, fees on financed invoices and factoring transactions. | Interest-based lending with customized pricing tied to risk profiles and transaction size. | Increasing adoption by conglomerates to optimize supply chains, RBI approvals, and digital integration. | SG Finserve Supply Chain Finance Platform |
| Co-lending and Syndication | Joint lending and loan syndication to expand credit reach and diversify risk. | Strong banking alliances and regulatory compliance provide competitive advantage. | Middle-market enterprises and financial institutions. | Structured co-lending transactions. | 300 | 18 | Fee-based income and interest share from co-lent loans. | Fee and interest revenue shared per agreement with lending partners. | Strategic banking partnerships and regulatory support for co-lending. | Co-lending with Banks including HDFC, Axis, Yes Bank |
| New Financial Services and Digital Lending | Digital lending solutions, loan origination systems, and loan lifecycle management. | Proprietary integrated digital platforms and early market entry. | B2B enterprises and fintech partners. | Software services and digital loan platform. | 200 | 12 | Subscription fees, service charges, and loan processing fees. | Recurring subscription and usage-based fees. | Innovation in lending technology, increased digitization, and new product launches. | Digital Loan Management System, Scoring & Rating Engine |
