Channel finance, built into the supply chain
Tecnoflow powers working capital for dealers of leading enterprises. Every disbursal is tied to purpose and every cycle is short.
- Enterprise-integrated
- Purpose-tied disbursal
- Delivery-confirmed goods
- Short cycles
The capital that moves goods is the hardest to find
India’s distribution runs on dealers who pay for stock upfront and wait weeks to be paid themselves.
Today
- Stock is paid for before it sells
- Receivables come back weeks late
- Bank limits stop at collateral, so they cap out early
- Demand outruns the cash to serve it
With Tecnoflow
- A dealer limit sized to real supply
- Drawdowns pay the enterprise or supplier directly
- Delivery confirmation closes every order
- Short cycles close order by order
How the rail works
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Onboard
A dealer joins the platform and gets a dealer limit.
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Order
The dealer places an order with the enterprise. The platform checks the limit.
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Disburse and deliver
Payment goes straight to the enterprise or supplier. Delivery is confirmed as proof of goods.
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Repay and close
The dealer repays inside a short cycle. The next order draws afresh.
The market, in sourced numbers
Market context from named sources. None of it is Tecnoflow’s own book.
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₹7+ lakh crore
MSME payments locked in delayed receivables, as of March 2024
Source: GAME, FISME and C2FO, Delayed Payments Report 3.0, 2025 -
₹44+ lakh crore
India’s MSME credit gap, about USD 530 billion
Source: IFC, World Bank Group estimate -
₹2+ lakh crore
Trade receivables financed on TReDS in FY25, up about 70 percent year on year
Source: RBI-authorised TReDS platforms, FY2024‑25 -
₹100+ lakh crore
India’s B2B general-trade distribution market by 2030, about USD 1.2 trillion
Source: Redseer, projection
Built so the rail holds
The safeguards are structural, designed into how money and goods move.
Enterprise-integrated supply control
The platform plugs into the enterprise at the ERP or dispatch layer. Supply to a defaulting dealer can be paused, which makes repayment discipline structural.
Purpose-tied disbursal
Every drawdown pays the enterprise or supplier directly against a specific order, so working capital reaches stock.
Delivery-confirmed, short cycles
Goods are confirmed at delivery as proof the order is real. Tenors stay short, so every cycle closes instead of ageing.
Where the model fits
Enterprise-led dealer networks across ten sectors and the industrial clusters that supply them.
- Automobiles and auto spares
- Paints and coatings
- Tyres
- Cement
- Electricals and electrical goods
- Consumer durables and electronics
- Pharmaceutical distribution
- Building materials
- B2B telecom and network infrastructure
- Lubricants