BharatPe bullish on SMEs Launches Distributor to Retailer Finance

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BharatPe bullish on SMEs Launches Distributor to Retailer Finance. BharatPe, India’s leading fintech company for merchants, today announced that it will be focussing on empowering Small and Medium Enterprises (SMEs) with the roll-out of its innovative lending product- Distributor to Retailer (D2R) Finance. The one-of-its-kind product is designed to provide instant liquidity to distributors, wholesalers, traders and dealers across industry verticals. With this new lending product, the company will offer collateral-free loans of upto Rs. 50 lakhs for a period of 7 days to 30 days.

BharatPe also shared that it has already facilitated D2R loans of Rs. 50 crores in the first month of launch and aims to facilitate disbursals of Rs. 2500 crores via this new product in the next fiscal year (FY22). With this launch, BharatPe has showcased its commitment of building financial products that could address the credit gap faced by over 60 million SMEs and help them grow their businesses.

The product, that offers a credit line to distributors is currently live in 10 cities and has close to 2000 SME registrations in just one month of launch. This industry-first offering that caters to businesses across industries, including FMCG, Consumer Durables, Pharma, Electronics, Telecom, Dairy, Industrials, Auto Parts, Stationary, Fashion, as well as Beauty and Cosmetics, also helps them to keep track of their collections from retailers. The loan is available at a low interest rate, with zero processing fees and involves minimal paperwork. BharatPe’s D2R Finance is quick with loan disbursals in 1 business day.

BharatPe has worked closely with millions of retailers over the last 2.5 years and have empowered them with the best-in-class financial services products. Recently, the company announced that it has surpassed its target of Rs. 1000 crores of loan disbursals in the FY21 and hence, rehashed its target to Rs. 1250 crores.

The company has already given loans to close to 1.5 lac retailers and merchants. Also, BharatPe’s loan availing process is simple, quick and 100% digital. It helps save multiple visits to the bank, eases the cumbersome documentation processes, and hence, ensures minimal downtime for the merchant’s business.


BharatPe leverages data analytics to enable a range of lending products that cater to the credit needs of those who are not served by traditional banks and other financial institutions. The company is committed to cater to the under-penetrated geographies and customer segments such as small kirana stores and merchants. This is made possible because of its superior underwriting methods and strong risk management measures.

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