Leveraging the Power of Your Business Data to Secure Credit

We help you successfully apply for the credit you need to grow and sustain your business. Our technology platform enables you to leverage your business data to access loans—on demand and from the lenders of your choice.

Challenges MSMEs Face in Securing Credit

The traditional credit ecosystem presents multiple hurdles for MSMEs, making the loan application and disbursal process complex and uncertain.

Limited Awareness of Available Credit Lines

Many businesses struggle to understand and access various funding options, including loans and credit lines. This lack of awareness leads to missed opportunities for growth and financial stability.

Credit Eligibility Barriers

Determining credit eligibility is challenging, as businesses often face stringent criteria that hinder their ability to secure funding, limiting their potential for growth.

Collateral-Based Lending Constraints

Securing loans against assets can be difficult due to complex paperwork. Many businesses are also unaware of how to utilize their assets to obtain credit.

Complex Documentation Process

Navigating extensive paperwork for loan applications can be time-consuming and confusing, especially for businesses with limited experience or untrained staff.

Lengthy Approval Timelines

A prolonged loan approval process can prevent businesses from acting swiftly on opportunities, leading to financial constraints and missed growth prospects.

Delayed Fund Disbursal

Even after loan approval, delays in fund disbursal can disrupt operations and cash flow, causing long-term business challenges.

How Pumpkin Solves Your Credit Problems

Pumpkin simplifies the lending process with tailored financial solutions, seamless accounting integration, and faster access to credit.

Seamless Accounting System Integration

Ensures accurate credit assessment and financial management.

Timely Identification of Credit Requirements

Helps businesses proactively address funding needs.

Structured Documentation Process

Minimizes paperwork and accelerates approval.

Access to Multiple Lenders

Enables businesses to compare and apply for the best loan options.

Faster Disbursement Timelines

Reduces waiting time for fund release.

Improved Credit Terms

Provides competitive interest rates and flexible repayment options.

Diverse Industry Expertise to Serve Your Business Needs

Pumpkin understands the unique challenges of various industries and offers sector-specific lending solutions.

Manufacturing & FMCG

    • Industries Covered:  
  • Manufacturers
  • FMCG
  • Jewellers
  • Pharmaceuticals
  • Plastics & Polymers
    • Working Capital Finance (Cash Credit, Overdraft, WCDL)
    • Short-Term & Long-Term Business Loans
    • Asset-Backed & Foreign Currency Loans
    • Lease Rental Discounting & Structured Finance
Marketplace: For customers to find loans
Marketplace: For customers to find loans

General Trade & E-commerce

    • Industries Covered:  
  • Distributors
  • Wholesalers
  • Retailers
  • Stockists
  • Ecommerce Companies
    • Working Capital Finance & Trade Finance (Bank Guarantees, Documentary Credit)
    • Asset-Backed & Lease Rental Discounting Loans
    • Project & Acquisition Finance

Exporters & Importers

    • Industries Covered:  
  • Retail
  • Commercial
  • Infrastructure
    • Foreign Currency & Rupee Term Loans
    • Trade Finance (Packing Credit, Letter of Credit, Documentary Credit)
    • Project & Acquisition Finance
Marketplace: For customers to find loans
Marketplace: For customers to find loans

Transportation & Warehousing

    • Industries Covered:  
  • Shipping
  • Logistics
  • Packers & Movers
  • Fleet & Warehouse Operators
    • Working Capital & Asset-Backed Loans
    • Lease Rental Discounting & Project Finance

Construction & Infrastructure

    • Industries Covered:  
  • Real Estate Developers
  • Contractors
  • Heavy Machinery Operators
    • Term Loans & Asset-Backed Loans
    • Foreign Currency Term Loans & Project Finance
Marketplace: For customers to find loans
Marketplace: For customers to find loans

Women Entrepreneurs

    • Industries Covered:  
  • Solopreneurs
  • Homepreneurs
  • Urban & Peri-Urban Enterprises
    • Working Capital & Trade Finance Loans
    • Project & Acquisition Finance

Professionals & Service Providers

    • Industries Covered:  
  • Doctors
  • Architects
  • Lawyers
  • CS/CA/ CFAs
  • Service Providers
    • Short-Term & Term Loans
    • Asset-Backed & Lease Rental Discounting Loans
    • Project & Acquisition Finance
Marketplace: For customers to find loans

Our Credit Partners

We work with multiple Credit Partners to provide you with various custom credit options

HDFC Bank
Yes-bank
Yes-bank
Yes-bank
piramal
dmi
poonavala
hero
flexiloans
indifi
idfc