About Us

VARFinn specializes in providing value-added (VA) financing and technology solutions tailored for Micro, Small, and Medium Enterprises (MSMEs), small NBFCs, and gig-economy workers across India. Our innovative products are designed to optimize working capital, enhance cash-flow efficiency, and support sustainable economic growth.

Our Supply Chain Finance (SCF) offerings empower businesses by streamlining invoice discounting, dynamic discounting, and payables financing—ensuring seamless liquidity across the supply chain. By bridging working-capital gaps between buyers and suppliers, we enable MSMEs to improve credit cycles, reduce dependency on costly credit lines, and strengthen supplier relationships.

In addition, our Short-Term Machinery Loans and Business/Corporate Loans provide strategic financial support for capital expenditure, including machinery procurement, technology upgrades, brand expansion, and infrastructure development. These solutions help MSMEs diversify product lines, enter new markets, manage seasonal demand fluctuations, and accelerate long-term scalability.

Expanding beyond financing, VARFinn now provides advanced technology infrastructure and digital lending solutions to small NBFCs, empowering them to digitize operations, strengthen underwriting processes, improve risk assessment, and scale efficiently. We also offer tailored financial and tech-enabled solutions for gig-economy workers, ensuring flexible access to liquidity that supports income stability and day-to-day financial needs..

At VARFinn, we remain committed to advancing financial inclusion and supply-chain resilience through data-driven credit assessment, fast disbursals, and customer-centric products—enabling MSMEs, NBFCs, and gig workers to thrive in an evolving economic landscape.

Why to choose Varfinn

1
Unlocks Immediate Liquidity

VARFinn helps businesses convert unpaid invoices into instant cash, improving cash flow and minimizing delays.

2
Empowers MSMEs to Grow

Immediate access to working capital enables MSMEs to seize new opportunities, increase production, and scale operations.

3
3. Debt-Free Cash Flow Support

Businesses receive liquidity without taking on additional debt, helping maintain a stronger financial structure.

4
Supports Expansion and Larger Orders

With improved cash flow, businesses can purchase inventory, expand capacity, and fulfill bigger orders with confidence.

5
Simplifies Working Capital Management

Our solutions streamline financial operations, balancing day-to-day cash needs with long-term growth plans.

6
Financial Flexibility in Changing Markets

VARFinn provides adaptable financing solutions, helping businesses navigate market fluctuations smoothly.

7
Technology Solutions for Small NBFCs

We offer advanced digital lending infrastructure, helping NBFCs improve credit assessment, modernize operations, and scale efficiently.

8
Financial Support for Gig-Economy Workers

Tailored products provide gig workers with flexible access to funds, supporting income stability and financial inclusion.

Why VARFinn is Important for Your Business Success

In the dynamic and competitive business environment, maintaining optimal liquidity and working capital efficiency is essential for sustained growth. However, businesses—especially Micro, Small, and Medium Enterprises (MSMEs)—often face challenges due to delayed payments from buyers or debtors, leading to cash flow constraints. This delay can disrupt business expansion, procurement cycles, and overall financial planning, restricting opportunities for growth.

In such scenarios, Supply Chain Finance (SCF) emerges as a strategic financial solution, particularly when traditional short-term credit options may not be accessible or viable. Invoice financing, a core component of SCF, enables businesses to convert their credit sales into immediate cash, improving liquidity without taking on additional debt. This ensures that MSMEs can meet working capital demands, fulfill new orders, and scale operations efficiently.

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Supply Chain

Working Capital

Payment

Analytics

Financial Portal

Key Benefits of Supply Chain Finance for Your Business

1. Optimized Cash Flow Management
  • SCF ensures a continuous inflow of working capital by accelerating receivables and deferring payables.
  • Helps businesses maintain a healthy cash conversion cycle, reducing reliance on costly short-term borrowing.
  • Enables businesses to pay suppliers on time without straining their finances.
  • Reduces the risk of supply chain disruptions caused by delayed payments, ensuring smooth operations.
  • Enhances trust and collaboration between buyers and suppliers by providing early payment options.
  • Suppliers benefit from improved cash flow, leading to better pricing, discounts, and long-term partnerships.
  • Allows MSMEs to expand into new markets, invest in growth opportunities, and remain agile in a volatile economic landscape.
  • Strengthens financial positioning by reducing debt exposure and enhancing the balance sheet.
  • Allows MSMEs to expand into new markets, invest in growth opportunities, and remain agile in a volatile economic landscape.
  • Strengthens financial positioning by reducing debt exposure and enhancing the balance sheet.

Our Partners

At Varfinn, our investors are more than partners—they’re vital to our journey. Together, we’re fostering a culture of passion, innovation, and success, enjoying every step along the way.