Seeds Fincap is an NBFC focused on lending to underserved MSMEs. Founded in 2021 by Subhash Chandra Acharya and Avishek Sarkar, the company operates through 120 branches across eight states. It has disbursed over Rs 1,000 crore in loans and manages more than Rs 500 crore in assets. The company reports non-performing assets below 2%. Its approach combines advanced analytics, strong field control, and full-stack digitization to lend responsibly at scale. Seeds plans to expand into new regions, strengthen technology and risk infrastructure, and expand its product suite ahead of a planned Series B. Seeds Fincap is a non-banking financial company that offers customized credit products to small and medium-sized business owners, deploying strict credit assessment and technology to monitor risk and reduce operating costs. Founded in 2021 and headquartered in Gurugram, the lender has expanded to 90 branches across eight states with a focus on Uttar Pradesh, Bihar, Rajasthan, and Haryana. It serves MSMEs with ticket sizes ranging from Rs 1–5 lakh and has built a liability base with more than 35 lending partners including AU Small Finance Bank, Tata Capital, IDFC Bank, Yes Bank, and Vivriti Capital. In three years the company reports a loan book of over Rs 330 crore, having disbursed more than Rs 600 crore and served over 50,000 customers. The business uses technology to assess cash flows, set appropriate rates, and cut operating costs. The recent funding is intended to grow the branch network, improve technology infrastructure, and increase lending capacity. Seeds Fincap is an MSME-focused financial institution that offers customized financial products to small businesses, with an emphasis on risk management and technology-enabled operations. Founded in 2021 by Subhash Acharya and Avishek Sarkar, the company operates through 72 branches across six states. It reports assets under management of INR 212 crore, employs over 700 people, and has facilitated more than 40,000 disbursements totalling INR 340 crore. The firm plans to use new capital to accelerate expansion in existing and new geographies, targeting underserved areas in north and central India. Seeds focuses on financial inclusion for MSMEs through tailored products and grassroots engagement that support local entrepreneurship and job creation. Its operating approach combines technology, hands-on operational management, and a strong focus on credit and risk.

Total raised

$20M

Funding rounds

3

Latest round

Series B

Latest activity

Aug 2025