Unlock Non-Dilutive Startup Capital up to ₹25 Crore
Scale your SaaS, D2C, or tech enterprise without giving away equity or board seats. Fly Swift matches your recurring cash flows with 40+ fintech credit funds and NBFCs for instant 48-hour term sheets.
- Revenue-Based Financing (RBF) with Flexible Monthly Revenue Shares
- 100% Non-Dilutive — Protect 100% Cap Table Ownership & Valuation
- Automated Bank & Payment Gateway Underwriting (Stripe, Razorpay, Shopify)
Check Fly Swift Eligibility
Facilities from ₹25 Lakh to ₹25 Crore · 100% Confidential
Powering India's Fastest Growing Digital Startups
How High-Growth Startups Deploy Fly Swift
Flexible non-dilutive capital designed specifically for predictable cashflow businesses.
Performance Marketing & CAC
Fund high-ROI digital ad spend on Meta and Google without burning precious equity cash. Repay organically as customers convert.
Seasonal Inventory & Stocking
Prepare for festive flash sales and bulk vendor purchasing with flexible short-term capital that never sits idle on your balance sheet.
Runway Extension & Bridge
Add 6 to 12 months of operating runway to hit key revenue milestones ahead of your next equity pricing round.
Recurring Revenue Monetization
Convert annual and monthly recurring customer subscriptions (ARR/MRR) into upfront liquidity today.
Fly Swift Fintech & NBFC Partners
Compare terms across leading revenue-based financing and venture debt providers.
| Fintech / Lender | Indicative ROI / Fee | Ticket Size | Typical Tenures | Action |
|---|---|---|---|---|
Tata Capital Growth Credit
Structured Startup Facility
|
11.25% - 13.75% | ₹50 Lakh - ₹25 Crore | 12 to 36 Months | Apply Now |
Clix Capital Digital Debt
Fast MSME & Tech Line
|
11.75% - 14.50% | ₹25 Lakh - ₹10 Crore | 6 to 24 Months | Apply Now |
UGRO Digital Supply Chain
Automated Cashflow Line
|
11.50% - 14.00% | ₹50 Lakh - ₹15 Crore | 12 to 36 Months | Apply Now |
Bajaj Flexi Enterprise
Quick Drawdown Working Capital
|
12.00% - 15.00% | ₹20 Lakh - ₹5 Crore | 12 to 48 Months | Apply Now |
Why Founders Choose Fly Swift
Modern growth capital built for digital-first founders.
Zero Equity Loss
Retain 100% of your equity upside and board control. No warrants or investor covenants.
Revenue-Linked Repayments
Repayments flex with your seasonal cashflow. If revenue dips, your monthly servicing drops proportionally.
48-Hour Disbursal
Direct API integration with Razorpay, Cashfree, Stripe, and banking APIs enables instant underwriting.
Revolving Growth Lines
As your revenue scales, your Fly Swift credit line increases automatically without re-applying.
No Physical Collateral
Underwritten purely on your operating metrics, retention cohorts, and banking inflows.
Dedicated Capital Advisor
Work with an experienced debt specialist who structures terms to maximize your balance sheet runway.
4 Steps to Capital in 48 Hours
Fast digital flow from initial inquiry to funded treasury.
Connect Data
Connect your GST portal and 12-month current bank account statements securely in 60 seconds.
AI Underwriting
Our algorithms evaluate ARR, customer churn, and gross margins across 40+ credit partners.
Choose Term Sheet
Select the offer with the lowest cost of capital and most flexible repayment structure.
48-Hour Disbursal
Complete e-Sign and e-Mandate. Capital is disbursed directly to your company bank account.
Estimate Your Fly Swift Growth Capital
Calculate monthly repayment outgo for facilities from ₹25 Lakh up to ₹25 Crore.
Principal Capital
₹2.00 CroreTotal Interest / Fee
₹25.43 LakhFly Swift Eligibility & Diligence
Quick qualification criteria for high-growth tech startups and D2C brands.
Eligible Businesses
- Revenue Vintage: Minimum 12 months of live operational track record
- Top-Line Scale: Minimum ₹1 Crore+ annual revenue run-rate (ARR/MRR)
- Business Model: B2B SaaS, D2C, Subscription Services, or Tech Marketplaces
- Growth Velocity: Positive month-on-month (MoM) revenue momentum
- Banking Health: Healthy average monthly balance with zero default history
Required Digital Data
- GST Returns: Last 12 months GSTR-1 and GSTR-3B filings (PDF/Portal Access)
- Bank Statements: 12 months primary current bank account statements in PDF
- MIS / P&L: Trailing 12 months management MIS showing revenue and margins
- Corporate KYC: PAN Card, Certificate of Incorporation, Director KYC
- Cap Table: Brief equity capitalization summary (No equity pledge needed)
Trusted by Founders Across India
See how modern founders leverage Fly Swift to scale without dilution.
"We needed ₹2 Crore to ramp up inventory for the festive season. Traditional banks asked for property collateral. With Fly Swift, we received term sheets from 3 funds in 48 hours and capital disbursed in 3 days."
"Fly Swift's revenue-based financing was perfect for our B2B SaaS business. We funded our US sales expansion without selling a single share of our company. The monthly revenue-share repayment is frictionless."
"The team at Finfly India understands startup metrics. No endless bank branch visits, no convoluted covenants. Just fast, transparent growth capital that lets founders focus on building."
Frequently Asked Questions on Fly Swift Capital
Everything you need to know about non-dilutive startup financing.
Fly Swift is Finfly India's high-speed growth debt program for digital startups and MSMEs. Unlike venture capital where you sell equity shares, Fly Swift provides non-dilutive growth capital based on your predictable business cashflows, allowing you to retain 100% cap table ownership and control.
Once you connect your banking and GST data, our automated AI engine evaluates your metrics to generate formal term sheets within 24 to 48 hours. Funds are typically credited to your bank account in 2 to 3 business days.
No. Fly Swift facilities are underwritten primarily on your operating performance, revenue cohorts, and banking cashflows. No real estate or physical asset collateral is required.
In Revenue-Based Financing, repayments are tied to a fixed small percentage of your monthly sales (e.g. 5% to 10% of monthly revenues) until the agreed total amount is settled. If sales peak, you repay faster; if sales dip, your monthly obligation reduces automatically.
Ready to Scale Your Startup Without Equity Dilution?
Get matched with 40+ startup credit funds and receive custom term sheets in 48 hours.