Frequently Asked QuestionsFrequently Asked Questions

Yes. Pavanam Finance Private Limited is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India.

Supply chain finance lets suppliers and distributors get paid early on their invoices by using the strong credit rating of a large corporate buyer (the "anchor"). It improves cash flow for smaller businesses without needing collateral.

Instead of judging you only on your own balance sheet, we base funding on your verified transactions with a trusted corporate anchor. This means faster approvals and better rates for MSMEs.

No. Our financing is collateral-free. The approved invoice and the anchor's credit strength act as the security.

Once an invoice is validated, funds are typically disbursed within 24-48 hours, and in many cases the same day.

Yes. Onboarding, KYC, invoice upload, validation and disbursal are all paperless � no branch visits required.

Suppliers/vendors, distributors/dealers, and corporate buyers (anchors) that are part of a supply chain. Each product has its own simple eligibility criteria, listed on the product page.

No. All terms and costs are shown upfront before you proceed � transparency is a core value.

You can reach us at +91-11-45504643 or by email, or use the Grievance Redressal section on our website for formal complaints.

It gives distributors and dealers the working capital to buy inventory the moment an order is placed. Pavanam pays the anchor directly, so your stock ships without delay and you repay later.

Typically dealers with ?1 crore+ annual turnover, GST-registered, at least 6 months' relationship with the anchor and 2 years in business.

Up to 100% of the invoice value, with a funding tenor of up to 180 days after the sale.

You repay Pavanam Finance from the proceeds of selling the stock, within the agreed credit period.

It lets suppliers get paid early on approved invoices � the day you deliver, instead of waiting 30-60 days � based on the anchor's credit strength.

Mainly the anchor's. Because approval rides on the corporate buyer's strong credit rating, you can access funds even without a long credit history of your own.

Usually ?2 lakh and above, confirmed by the anchor. Vendors should be MSME/GST-registered with a 1+ year relationship with the anchor.

Because pricing uses the anchor's credit standing, vendors typically save around 4-6% versus standard vendor financing rates.

It turns your approved, unpaid sales invoices into immediate working capital, so you don't have to wait 30, 60 or 90 days to get paid.

Up to 100% of the approved invoice amount, funded promptly after a quick automated credit check.

Invoices of ?1 lakh+ under a 180-day tenor, buyers with a solid track record, and sellers who are GST-registered with a minimum ?1 crore turnover.

It's not a term loan against your assets - it's funding against a specific approved invoice, backed by the buyer's credit strength, so it's faster and collateral-free.

It unlocks working capital against verified purchase invoices after dispatch, using Pavanam's anchor-book model - so funding flows through the anchor relationship.

It works directly on the anchor's book and skips individual vendor agreements, which makes onboarding and funding faster for suppliers within that ecosystem.

Invoices of ?5 lakh+ issued by rated buyers, a proven delivery track record, and a tenor of up to 90 days covering post-dispatch terms.