Big Order. Tight Cash Flow. We've Got You Covered.
Get short-term working capital through P2P lending, NBFC partnerships, or order-backed financing — directly through Karygar.
The Real Manufacturing Problem
You receive a ₹25,00,000 confirmed order.
But: raw material purchase is required upfront, labour cost starts immediately, and client payment comes after 45–60 days.
Result: Cash flow pressure.
Your factory is profitable. But your cash is stuck in receivables.
How Karygar Helps
Unlike banks, Karygar knows your real business. Underwriting becomes data-backed.
Types of Short-Term Loans
Manufacturing-first lending: order-backed, P2P, and NBFC options.
Order-Backed Working Capital
Use confirmed orders as collateral
- You receive a confirmed order inside Karygar
- System verifies order authenticity, margin viability, production timeline, buyer payment history
- Apply for short-term loan to execute the order
- Loan repaid automatically when client payment is received
P2P Lending (Platform Network)
Capital from verified investors
- Verified manufacturers with good transaction history
- Access capital from peer investors
- Based on internal performance metrics
- Transparent repayment terms
NBFC Tie-Ups
Higher limits, structured loans
- Partner NBFCs offer structured short-term loans
- Faster approval due to ERP data visibility
- Reduced documentation friction
- For higher credit limits
Application Flow
Simple, transparent steps from eligibility to repayment.
Eligibility Check
Auto-calculated from order value, past payment record, production completion rate, and credit behaviour.
Choose Loan Type
Order-backed, P2P, or NBFC short-term.
Review Terms
Loan amount, interest, duration (30–120 days), repayment schedule.
Disbursement
Funds transferred to your registered bank account.
Smart Repayment
When client payment is recorded in Accounting, loan balance auto-adjusts.
Why This Is Safer Than Traditional Loans
Data-Backed Risk Assessment
Not based on paperwork — based on real transactions.
ERP-Based Credit Score
Internal Karygar score from delivery reliability, payment cycles, production efficiency, and outstanding ratios.
Transparent Tracking
Loan status visible inside your dashboard at all times.
Integration with Your Operations
Order → Production → Inventory → Accounting → Loan Repayment. All connected.
If an order gets delayed, the AI Advisor can warn: "Repayment risk detected due to delivery delay."
Manufacturing IntelligenceUse Cases
Short-term working capital for real manufacturing situations.
MSME Manufacturer
Needs ₹5–10 lakh for raw materials to fulfil a new order.
Job Work Unit
Needs bridge capital before client release.
High Growth Factory
Needs recurring 30-day rolling capital.
Compliance & Transparency
Professional, clear, and compliant. We keep you informed.
Don't Let Capital Stop Your Growth.
Execute bigger orders confidently with ERP-powered short-term financing.