Dulcet Holding
Dulcet HoldingAI Finance · India
LIVE
Startup India Recognized
The Dulcet Holding Funding Platform

India's Industrial Finance
Marketplace

The market for loan trading and participation has remained unchanged for decades. Dulcet Holding reimagines it — an exclusive online network providing unbiased, transparent and super-efficient access to opportunities for borrowers, funders and investors. Buy, sell and participate in performing and non-performing loans across every asset class — single loans, pooled whole loans, or loan participations — on a fully digital, mobile-friendly platform available 24/7.

Platform Pillars

Why Dulcet Holding

Unified Loan Marketplace

A fully digital, mobile-friendly platform operational 24/7 — buy, sell and participate in performing and non-performing loans across every asset class. Single loans, pooled whole loans, or loan participations — all in one transparent hub.

Unbiased, Transparent Access

Unbiased access to opportunities with fully transparent pricing, fees and deal timelines visible to buyers, sellers and participants alike. Every communication is captured and archived for audit-grade compliance.

Super-Efficient Execution

Reimagined workflows for whole-loan trading and participations. Automatic tape upload, bid and yield analysis, secure data warehouse, and direct core integration reduces due-diligence document transfer to minutes.

Optimised Cash Conversion

Connect borrowers with funders and investors to finance payables and receivables — improving the cash conversion cycle at optimised rates while funders benefit from credit-line protection and default risk transfer.

Core Products · AI-Powered · Maximum Depth

Five Pillars of Dul-fin Finance

From Supply Chain Finance to Import & Export Finance — AI-driven, RBI-compliant, end-to-end workflows serving India's MSMEs, corporates, manufacturers, traders and exporters across all 28 states.

Flagship · AI-Powered

Supply Chain Finance (SCF)

End-to-end AI-driven vendor payables and receivables finance for MSME suppliers and large corporate anchor buyers across India — Coimbatore, Chennai, Mumbai, Delhi, Bengaluru, Ahmedabad, Pune and 50+ industrial clusters.

Dulcet Holding's Supply Chain Finance platform digitises the entire vendor-payment lifecycle for Indian manufacturing, trading and processing enterprises. Anchored on AI-driven invoice validation, GSTN e-invoice reconciliation and TReDS integration, the platform unlocks working capital trapped in the supply chain — enabling MSME suppliers to receive payment within 6 hours of invoice approval while corporate buyers extend their payable cycle to 90–120 days without straining supplier liquidity.

Process Flow

1

Anchor onboarding with Udyam, PAN, GSTIN, MCA and CIBIL verification via autonomous AI agents.

2

Supplier enrolment and digital KYC — e-sign, video KYC, bank account validation (penny drop).

3

Invoice upload with AI OCR extraction, GSTN e-invoice matching, and duplicate detection.

4

Anchor approval workflow — auto-approve within threshold, escalate exceptions to finance team.

5

AI credit-scoring of supplier and anchor — real-time risk rating, concentration analysis.

6

Financier matching and auto-bidding — best discount rate selected across 50+ lending partners.

7

Disbursement via NEFT/RTGS/IMPS/UPI to supplier; repayment collected from anchor on due date.

8

Reconciliation and audit-trail logging — every event timestamped and immutable.

Key Benefits

₹10 Cr – ₹100 Cr+ facility limits per anchor programme
6-hour sanction speed with AI underwriting
Reduce Days Sales Outstanding (DSO) by 40–60 days
Improve current ratio and debt-equity metrics for balance sheet optimisation
Replace expensive debt with low-cost payables finance
RBI-compliant, TReDS-linked, GSTN e-invoice integrated

Geographic Coverage

Serving MSME clusters in Tamil Nadu, Maharashtra, Gujarat, Karnataka, Telangana, Andhra Pradesh, West Bengal, Rajasthan, Uttar Pradesh and Delhi NCR.

CoimbatoreChennaiMumbaiDelhiBengaluruAhmedabadPuneHyderabad
Specialised Finance Modules

Receivables · Credit Lines ·
Securitisation & Scoring

Our mission is to connect borrowers with funders and investors to finance and invest their payables & receivables — improving the cash conversion cycle at optimised rates, while funders benefit from credit-line protection against trade-payment defaults, general corporate loans and other financial assets.

Increase Working Capital
Access Cash tied up in receivables
Reduce DSO (Days Sales Outstanding)
Replace Debt
Improve Balance sheet metrics
Securitisation of Receivables
True Sale Transactions
Our Services

360° Industrial &
Export Finance Services

From Corporate Banking to Project Exports — six specialised service lines enhancing India's export competitiveness and strengthening MSME global footprints for over three decades.

Corporate Banking

360-degree financing programmes to enhance the export-competitiveness of Indian companies — long-term loans for new projects, expansion, modernisation, equipment purchase and R&D; plus working capital and overseas investment requirements. A catalytic partner in building 'Brand India' alongside MSMEs and rural enterprises.

Buyer's Credit

A unique credit facility that motivates Indian exporters to explore new geographies. Overseas buyers open Letters of Credit in favour of Indian exporters and import goods and services from India on deferred payment terms — reducing transaction costs and simplifying international trade. Available exclusively for export of Indian goods at competitive LIBOR rates.

Lines of Credit (LOC)

Since inception, we extend Lines of Credit to enable Indian exporters to enter new geographies or expand existing export markets — with zero payment risk from overseas importers. Extended to overseas financial institutions, regional development banks, sovereign governments and entities abroad, enabling buyers to import developmental projects from India on deferred credit terms.

Overseas Investment Finance

For over three decades, we have enhanced export opportunities for India and driven national economic growth by integrating foreign trade and investment to build long-term value. As India emerges as a global manufacturing hub, we facilitate Indian companies to invest overseas, building Indian MNCs of tomorrow.

Project Exports

Indian project exporters have secured diverse contracts showcasing versatility and technological capabilities. We have been a prime mover in encouraging project exports from India — enabling companies to secure contracts across geographies for over two decades. We support EPC activities — civil, mechanical, electrical, instrumentation — including technology transfer, design and engineering.

Equipment Financing & Leasing

Equipment leasing is similar to borrowing — however, the lender purchases the equipment and leases it back to you for a flat monthly fee. Most equipment leases carry a fixed interest rate and term. At lease-end, you may purchase the equipment at fair market value. We also offer Sale and Leaseback (SLB) on existing machinery — appearing as a lease in your books, not a loan, preserving your CIBIL.

Unsecured & Structured Funding

Unsecured Investment &
Structured Finance Products

Specialised funding programmes for prime corporates, SMEs, equipment owners and real-estate developers — unsecured, off-balance-sheet, or collateral-backed, tailored to your cash cycle and credit profile.

Prime Unsecured Investment Funding

For manufacturing, processing, trading and service industries unable to make timely payments to their bank due to working-capital cycle gaps or devolving LCs. We sweep such accounts with unsecured investment funding — clearing books at single-digit rates starting 8.11%.

Amount

₹1 Cr – ₹20 Cr

Rate

8.11% – 24%

Tenure

24 months

Eligibility

₹120 Cr+ turnover

SME Unsecured Funds

Unsecured funding for small and medium enterprises — fast, flexible and collateral-free. Ideal for working capital, inventory, expansion or bridging finance between cycles. Rates lower than business loans, tailored to your cash flow.

Amount

Up to ₹5 Cr

Rate

1.33% – 1.8% / month

Tenure

6 – 24 months

Eligibility

SME businesses

Raw Material Limit (Over Bank Limits)

Purchase raw material over and above your existing bank limits. In your books it appears as a creditor — not a lender — and does not reflect in your CIBIL. Pricing is on days used, often lower than a business loan. Ideal for seasonal demand spikes and bulk procurement discounts.

Amount

Up to ₹5 Cr

Rate

Per-day usage pricing

Tenure

Flexible

Eligibility

Existing bank limits

Loan Against Old Machinery (SLB)

Monetise existing machinery via Sale and Leaseback (SLB). The transaction appears as machinery taken on lease — the EMI is seen as rent/lease paid to us, not a loan. Unlocks capital tied up in productive assets while preserving your CIBIL and balance-sheet ratios.

Amount

Asset-value based

Rate

Competitive lease rentals

Tenure

Flexible

Eligibility

Equipment-owning businesses

Credit Rating Improvement

Guaranteed programme to take your credit rating up by two notches — lowering existing rates with your banks and unlocking access to low-cost funds. Structured advisory, debt restructuring and performance monitoring delivered end-to-end.

Amount

Guaranteed 2-notch uplift

Rate

Performance-based

Tenure

12 – 18 months

Eligibility

All rated entities

Trade Structure Finance

Backed by a Financial Bank Guarantee — no cost to the buyer. We monetise the available cash discount on the trade, converting the buyer's fund-based limit into non-fund-based, thereby improving the ratio and freeing up working capital headroom.

Amount

Trade-value based

Rate

Cash-discount share

Tenure

Per transaction

Eligibility

Importers/Exporters

Real Estate Finance

For real-estate projects with 80%+ completion — 2x collateral required. Structured finance for ready-to-sell inventory, last-mile completion and refinancing of high-cost project debt.

Amount

Project-value based

Rate

Project-linked

Tenure

Project tenure

Eligibility

BBB+ stable & above

Trade · Transaction Wizard

Reimagined Loan Trading Workflow

Our online transaction wizard has reimagined the workflows of whole-loan trading and participations from the ground up — leveraging marketplace technology to execute trades quicker than ever before.

01

Archived Communication

All communication via chat and conference calls is captured and archived — immutable audit trail for every deal participant.

02

Transparent Pricing & Fees

Pricing and fees are transparent and visible to all relevant parties — whether buyer, seller or participant. No hidden spreads.

03

Core Integration & Speed

Direct integration into your core banking/ERP system reduces due-diligence document transfer times from days to minutes.

04

Automatic Tape & Yield Analysis

Automatic tape upload, bid and yield analysis, full communication timeline, secure data warehouse — execute trades quicker than ever.

Generative Engine · Use-Case Optimizer

We'll optimize the AI engine for your specific use case. Select what you're building — Dulcet's 2026 generative engine will calibrate AI models, workflows, and dashboards to match your exact scenario.

Invoice DiscountingWorking CapitalTrade FinanceDealer FinanceExport FinanceSupply Chain FinanceCo-LendingLoan TradingSecuritisationCredit RatingProject FinanceEquipment Leasing
Live · 40 Modules · 12 Active Data Flows

Multi-Module AINeural Architecture

Advanced interconnection hub — every module is live-linked with AI-orchestrated data fetching, cross-platform synaptic flows, and autonomous signal routing.

Active Modules40
Data Flows / Day28,400+
AI Decisions / Hr1,200+
Synapse Links48
Live AI Neural Architecture · 38 Modules · 53 Synaptic Links

Multi-Module AI Neural Network

Every module is a live node — real-time data flows, AI orchestration signals, and cross-platform synapse connections visualised below.

AI5 modules
Lending7 modules
Trade7 modules
Invest6 modules
Ops7 modules
Ent6 modules
Live AI Data Flows

Cross-Module Signal Routing

CRM LeadLOS Application
AI Lead Scoring
2,340/day
LOS ApplicationDocument Hub
Auto Document Request
890/day
Document HubAI Verification
Vision OCR Engine
1,200/day
AI VerificationUnderwriting
Deep Reasoning AI
450/day
UnderwritingSanction Engine
Credit Policy Check
320/day
Sanction EnginePayment Gateway
Auto Disbursal
280/day
Invoice UploadTReDS Exchange
Auto-Bid Agent
1,800/day
TReDS BidSCF Ledger
Remittance Confirm
960/day
Risk SentinelNPA Provisioning
Basel III Engine
10k signals/s
WhatsApp BotCRM Timeline
Customer Msg Sync
4,500/day
GST PortalCompliance Hub
Auto Filing Check
Daily
MCA PortalEnrichment DB
Director Scrape AI
Real-time

Complete Module Registry

LIVE

AI Cockpit

AI Hub

AI Load87%
LIVE

AI Agent Workspace

AI Hub

AI Load72%
LIVE

AI Skills Hub

AI Hub

AI Load65%
LIVE

Agent Hub

AI Hub

AI Load58%
LIVE

Platform Intelligence

AI Hub

AI Load80%
LIVE

AI Skills Engine

AI Hub

AI Load91%
LIVE

Loan Hub

Lending

AI Load76%
LIVE

Loan Origination

Lending

AI Load68%
LIVE

Loan Management

Lending

AI Load55%
LIVE

MSME Credit

Lending

AI Load44%
LIVE

BNPL Workflow

Lending

AI Load38%
LIVE

P2P Lending

Lending

AI Load32%
LIVE

Dealer Finance

Lending

AI Load47%
LIVE

SCF Platform

Trade & SCF

AI Load88%
LIVE

TReDS / RXIL

Trade & SCF

AI Load94%
LIVE

Trade Finance Hub

Trade & SCF

AI Load62%
LIVE

Invoice Management

Trade & SCF

AI Load71%
LIVE

SCF Kanban

Trade & SCF

AI Load53%
LIVE

Anchor Database

Trade & SCF

AI Load41%
LIVE

Bill Discounting

Trade & SCF

AI Load67%
LIVE

B2B Receivables

Trade & SCF

AI Load59%
LIVE

Investments Hub

Investments

AI Load48%
LIVE

Mutual Funds

Investments

AI Load36%
LIVE

Forex Trading

Investments

AI Load52%
LIVE

Insurance

Investments

AI Load28%
LIVE

Investor Portal

Investments

AI Load33%
LIVE

Neo Banking

Investments

AI Load41%
LIVE

CRM System

Operations

AI Load96%
LIVE

Analytics Hub

Operations

AI Load78%
LIVE

Documents Hub

Operations

AI Load82%
LIVE

Compliance Hub

Operations

AI Load61%
LIVE

Workflow Automation

Operations

AI Load74%
LIVE

Payments Hub

Operations

AI Load85%
LIVE

Ledger System

Operations

AI Load69%
LIVE

Admin Hub

Enterprise

AI Load77%
LIVE

HRMS Hub

Enterprise

AI Load44%
LIVE

E-Signing

Enterprise

AI Load38%
LIVE

Module Network

Enterprise

AI Load56%
LIVE

Platform Suite

Enterprise

AI Load62%
LIVE

D365 Finance

Enterprise

AI Load47%

AI-Native Architecture Principles

Every module follows the same AI-first design contract — zero manual data entry, perpetual memory, real-time sync.

Deep Reasoning Engine

Every decision backed by multi-step reasoning across 500-page documents, covenant checks, and financial ratios.

Cross-Module Data Sync

CRM → LOS → LMS → Ledger — all automatically synced. No re-entry. AI carries context across every stage.

Compliance Intelligence

RBI, SEBI, DPDP, Basel III — statutory obligations auto-checked at every module boundary in real time.

10k Signal/Sec Processing

NPA sentinel, FX risk monitor, and anomaly detection operating continuously across the entire portfolio.

Autonomous AI Agents

6 purpose-built agents traversing government portals, exchanges, and compliance systems without human oversight.

Perpetual Memory Layer

Every client interaction, document, and decision stored in sovereign on-prem AI vault with cross-session recall.