Dulcet Holding
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60+ Fintech Products

Complete Fintech Product Suite

India's most comprehensive AI-powered financial platform — from Supply Chain Finance to Cross-Border Trade, MSME Loans to BNPL. RBI-compliant, blockchain-secured, end-to-end digital.

🔗

Supply Chain Finance

Anchor-Vendor-Lender tri-party financing

Amount

Up to ₹50 Cr

Rate

9.75% p.a.

Tenor

30-180 days

📄

Invoice Discounting

Convert receivables to instant working capital

Amount

Up to ₹25 Cr

Rate

From 10.50% p.a.

Tenor

30-120 days

💵

Bill Discounting

Unlock liquidity from your trade bills

Amount

Up to ₹10 Cr

Rate

From 8.00% p.a.

Tenor

15-90 days

🏭

MSME Working Capital

Fast working capital for growing businesses

Amount

₹10L – ₹5 Cr

Rate

From 14.00% p.a.

Tenor

12-36 months

🚗

Dealer Finance

End-to-end financing for dealer networks

Amount

Up to ₹25 Cr

Rate

From 11.50% p.a.

Tenor

30-180 days

🌏

Trade Finance (Cross-Border)

Multi-currency cross-border trade solutions

Amount

Custom Limits

Rate

LIBOR/SOFR + Spread

Tenor

Up to 100% upfront

📊

TReDS / RXIL Platform

RBI-approved invoice discounting marketplace

Amount

No upper limit

Rate

Market-determined

Tenor

15-180 days

👤

Personal Loans

Instant personal loans up to ₹25 Lakhs

Amount

₹50K – ₹25L

Rate

From 10.99% p.a.

Tenor

12-60 months

🛒

BNPL (Buy Now Pay Later)

Point-of-sale credit for businesses

Amount

₹5K – ₹5L

Rate

0% for 30 days, then 24% p.a.

Tenor

30-360 days

🤝

P2P Lending

AI-curated peer-to-peer investment & lending

Amount

₹10K – ₹50L

Rate

12% – 36% p.a. returns

Tenor

6-36 months

🧾

Invoice Management

GST-compliant invoice creation & tracking

Amount

Unlimited invoices

Rate

Flat SaaS fee

Tenor

N/A

💱

Forex Trading

Real-time multi-currency FX management

Amount

Custom per trade

Rate

Best-in-market spreads

Tenor

Spot to Forward

Feature Comparison Matrix

Key features across core financial products

FeatureSCFInvoice DiscBill DiscMSME LoansDealer FinanceTrade Finance
AI Credit Assessment
Multi-Currency Support———
E-Signing (Aadhaar)
TReDS Integration———
GST Reconciliation——
Real-time Dashboard
Blockchain Audit Trail
50+ Lender Matching
WhatsApp Notifications—
24-hr Approval———
Trade Finance Process Flows

9 Cross-Border Finance Scenarios

From Usance LC to Reverse Factoring — explore how Dulcet structures trade finance flows across suppliers, importers, banks & lenders.

Scenario 1: Payment terms with the Supplier is Usance LC

Overseas Supplier
1Sale is made against Usance LC with 60 days credit
Indian Importer (Client)
2The Supplier presents documents under LC to the Indian Bank for acceptance
3Acceptance of LC
6The Indian Importer remits the payment to the Lender within 120 days from the funding date
Indian Importer's existing Bank
4The Lender remits the amount to the Indian Bank's Nostro Account on 58th day of the acceptance of LC
Lender (FI/ Trade Funds)
5Pays to Supplier on the due date of LC i.e. 60th day using the funds received from the Lender
SCF & Trade Finance Flow Library

22 Supply Chain Finance Process Flows

From Dealer Finance to Forfaiting — explore how Dulcet structures working capital flows across the entire trade finance lifecycle.

Dealer Invoice Financing

Push & Pull Method

OEM / Anchor
1OEM pushes inventory to Dealer on credit terms (Push)
Dealer (MSME)
Distributor
2Dealer raises invoice & requests finance from Lender (Pull)
4Dealer sells goods to end customers
Lender / NBFC
3Lender pays OEM directly against dealer invoice
OEM Receives Payment
5Dealer repays Lender from sales proceeds within credit period (30-90 days)
Scenario 01 of 22 · Domestic SCF

India's #1 AI-Powered Trade Finance Platform

Over ₹250 Crore sanctioned · 500+ enterprises served · 50+ lending partners · 6-hour average sanction time

Dul-fin

Online · Instant response

👋 Hi! Looking for finance solutions?

We offer Invoice Discounting, Supply Chain Finance, Working Capital, Vendor & Channel Finance — sanctioned in 6 hours!

No spam. We only call with relevant offers.

Dul-fin · Invoice Discounting · SCF · Working Capital
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