
"Cash flow-based financing has played a crucial role in my business journey. The right funding at the right time has enabled me to accelerate the growth of my business significantly. I highly recommend GrowthSahay by GetVantage for its fair and flexible funding approach to all businesses seeking to drive their growth."
"My husband and I were determined to help the local weavers in our community by whom we were inspired and started an ethnic clothing brand of Sarees. But access to working capital was impossible and the biggest challenge to grow our business. GrowthSahay by GetVantage has been a game changer for our business and the local artisans in our community. Through our brand Hutsand Looms, we've provided them with a platform to showcase their skills, leading to a remarkable 120% year-over-year growth and uplifting their lives in the process.”
"As a young mother when I saw my baby struggling with diaper rashes and sleepless nights, my sister and I thought of starting Just Bumm to manufacture affordable and rash-free diapers with a women-only team. We reached out to many banks but they denied us capital. With the help of GrowthSahay by GetVantage, we have been able to invest in growing our team from 2 to 30 women at our factory in Namakkal! The short-term working capital was available to us at a critical time and empowered us to expand our production and ramp up sales!"
We don’t impose onerous terms
If your revenue goes up or down, so do the repayments
Your Terms. One Flat Fee. No Hidden Charges
Grow. Access more funds. Repeat
Features | ![]() | Business Loan |
---|---|---|
Application Process | Quick & Easy Paperless, completely digital | Often lengthy, with extensive paperwork |
Collateral | Collateral-Free Completely unsecured | Often requires collateral |
Disbursement | Super Fast Within 72 hrs | Several weeks to months |
Repayments | Flexible Adjust with revenue, reducing | Fixed EMI, regardless of revenue |
Top-up | One-time Application Access funding multiple | New application required for every subsequent round |
Transparency | Full Transparency All costs clearly presented | Hidden fees can be present |
MSMEs
and Startups
24 months +
Trading Vintage
₹1 Lac
in Monthly Revenue (MRR)
GrowthSahay is a powerful cash flow-based financing solution designed specifically for India's MSMEs (Micro, Small, and Medium Enterprises). Powered by GetVantage / GetGrowth Capital (an RBI-licensed NBFC), GrowthSahay aims to provide accessible, transparent, and flexible working capital solutions to digital businesses based on their current cash flows.
Cash flow-based financing (revenue-based financing) is a flexible funding option for businesses. It allows businesses to access working capital by pledging a small percentage of their future revenues towards repayments. Unlike a traditional loan, you won't have interest payments. Instead, there is a monthly flat fee. Investors receive regular payments until the capital is repaid in full.
No, there are no traditional processing fees. Instead, a simple, transparent monthly fee is charged for the duration of the financing.
We don't have traditional interest rates. Instead, we charge a monthly fee that's typically between 1% and 1.5% of the financed amount based on your monthly revenue streams.
For example: If you access financing for ₹10,00,000 for 10 months, with a 1% monthly fee, you would pay approximately ₹10,000 per month. However, your exact monthly payments may fluctuate depending on your revenue during that month.
With GrowthSahay you enjoy flexible repayments that are directly linked to your future revenues. We also understand that business revenues can fluctuate. If your revenues go up, down, or stop - so do repayments. This can be done through payment gateway splits or a marketplace virtual account / digital escrow.
Loan terms are flexible, ranging from 3 to 12 months.
Cash flow-based financing is complementary to Venture Capital. It provides a founder-friendly way to fund business growth without taking on equity dilution or the rigid structure of traditional debt. Think of it as an alternative when you are solving operational and growth challenges as opposed to long-term risk challenges.