UGRO’s Embedded Financing delivers instant, data-led credit to MSMEs within the platforms they already use.
Credit is triggered by real transactions and underwritten using live business data. Built on UGRO’s DataTech architecture, this model combines:
This ensures credit reaches MSMEs exactly when it is needed, with speed and control.
Loan Amount
Up to 12 Months Tenure
Daily revolving working capital
loans
Short-term working capital
loans (up to 90 days)
Working capital term
loans (3, 6, 9, 12 months)
Access multiple financial solutions in
one flow
Apply in your preferred
local language
Secure data with
compliant systems
No hidden charges with transparent
pricing
Build and strengthen your
credit history
Repay based on your business
cash flow
Minimal documentation. Maximum use of data.
PAN Card
Aadhaar Card
Bank statements (last 6 months)
GST details (if applicable)
Platform transaction data (auto captured)
You can apply for an Embedded Financing loan by following these five simple steps:
Step 1
Pre-Qualification: Merchants identified based on platform transaction data
Step 2
Credit Evaluation: Automated underwriting using GRO Score and financial data
Step 3
Offer Generation: pre-approved loan offer within the platform
Step 4
Digital Acceptance: Simple KYC and consent
Step 5
Disbursal: Funds credited instantly or within hours
Working capital loans designed for short-term and revolving business needs.
No. These are unsecured loans. No collateral needed.
In most cases, within minutes of approval.
Based on transaction data, banking behaviour, and credit profile.
Yes, you can choose from daily, weekly, or monthly repayment options.
No, all charges are clearly disclosed upfront with full transparency.
Yes, your data is protected with secure systems that comply with all regulatory guidelines.
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GRO Score
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