India is one of the world’s largest and fastest-growing economies. Yet for thousands of businesses, growth is constrained not by demand but by cash — money that sits in receivables while supplier obligations fall due immediately.
The scale of the opportunity
The numbers explain why working capital is one of the most important — and most underserved — needs in Indian trade:
| Indicator | Estimate |
|---|---|
| GDP | USD 4 trillion (₹340 lakh crore) |
| Annual merchandise trade | USD 1.16 trillion (~₹100 lakh crore) |
| Outstanding trade receivables | ₹25–35 lakh crore |
| Domestic B2B market | ₹250+ lakh crore |
| Companies with turnover above ₹100 crore | 60,000–70,000 |
Why traditional financing falls short
Traditional financing is often slow, documentation-intensive and collateral-driven. For mid-sized manufacturers, traders and MSMEs, that means opportunities are missed while capital is tied up in the trade cycle.
Cash remains locked in receivables while supplier obligations require immediate payment.
A trade-backed approach
Hemera acts as an originator, structurer and execution partner, collaborating with banks, NBFCs, institutional investors and private credit funds. Two solutions sit at the core of our working capital platform:
- Purchase invoice financing — a financing partner pays the supplier upfront and the client repays on agreed 30–90 day terms.
- Sales invoice discounting — 70–90% of the value of outstanding receivables is advanced, with repayment aligned to invoice maturity.
Because every facility is short-tenor and backed by genuine, verified trade, capital can move as quickly as the business it supports.
Learn more
Explore our solutions or speak with our team about your requirements.
