‹ StopDownSeeds Fincap

Seeds Fincap

Lender giving small collateral-free loans to micro businesses

GurugramFounded 2021LendingPrivateWebsite ↗LinkedIn ↗X ↗
164BranchesOct 2026
₹722 CrLoans under managementAug 2026
₹100 Cr+Series BOct 2026
₹1,023 CrTotal loans given outApr 2025
◎The short version9 key points
  • Seeds Fincap is a Gurugram finance company that lends to small shop owners and tiny manufacturers.Entrackr
  • Its loans are collateral-free business loans, plus property-backed, consumer durable and supply chain loans.EntrackrBusiness Standard
  • It began operations in 2021 and had 164 branches by October 2026.Entrackr
  • Its loan book grew from about ₹100 crore in 2022 to ₹500 crore in April 2025 and ₹722 crore in August 2026.Business StandardBusiness StandardEntrackr
  • Lok Capital led a Series A1 of ₹50 crore in September 2023.Entrackr
  • In July 2024 Lok Capital and Matrix Partners India (now Z47) led a Series A of over $8.5 million.Entrackr
  • It raised ₹50 crore in a pre-Series B in August 2025.YourStory
  • The Michael & Susan Dell Foundation led a Series B of over ₹100 crore in October 2026.Entrackr
  • It aims for ₹1,000 crore of loans outstanding by March 2027 and won a Gold client protection certification in July 2026.EntrackrAhmedabad Mirror
↗Timeline10 events
2022
Sep 2022

About ₹10 crore of fresh equity from existing investors and promoters

Business Standard
Nov 2022

Opened 51st branch in Samastipur, Bihar

ANI News
2023
Sep 2023

Series A1: ₹50 crore led by Lok Capital

Entrackr
Dec 2023

Venture debt from InnoVen Capital, amount not disclosed

Bar and Bench
2024
Jul 2024

Series A: over $8.5M led by Lok Capital and Matrix Partners India (Z47)

Entrackr
Jul 2024

Over $4.5M raised through debentures, led by responsAbility

Business Today
2025
Apr 2025

Loans under management passed ₹500 crore

Business Standard
Aug 2025

Pre-Series B: ₹50 crore led by Z47 and Lok Capital

YourStory
2026
Jul 2026

Gold client protection certification from MicroFinanza Rating

Ahmedabad Mirror
Oct 2026

Series B: over ₹100 crore led by Michael & Susan Dell Foundation

Entrackr
₹Funding7 rounds
$6MA1$8.5MA$4.5MNCD

Bar height shows relative size of each round.

Equity infusionSep 2022
About ₹10 crore
Existing investors and promoters
Business Standard
Series A1Sep 2023
₹50 crore (first tranche ₹32 crore)
Lok Capital
Entrackr
Venture debtDec 2023
Undisclosed
InnoVen Capital India Fund
Bar and Bench
Series AJul 2024
Over $8.5 million
Lok Capital (lead), Matrix Partners India / Z47 (lead)
Entrackr
Debentures (NCDs)Jul 2024
Over $4.5 million
responsAbility Investments (lead)
Business Today
Pre-Series BAug 2025
₹50 crore
Z47 (lead), Lok Capital (lead), Norinchukin Capital, Alteria Capital
YourStory
Series BOct 2026
Over ₹100 crore
Michael & Susan Dell Foundation (lead), Z47, Lok Capital, Norinchukin Capital, Alteria Capital
Entrackr
▣Products4 items
Business loans

Collateral-free loans from ₹1 lakh to ₹5 lakh for small businesses, both secured and unsecured.

EntrackrEntrackr
Property-backed loans

Loans where property is pledged.

Business Standard
Consumer durable loans

Finance for buying household goods.

Business Standard
Supply chain finance

Credit for businesses linked to supply chains.

Business Standard
●People2 people
Subhash Chandra Acharya

Co-founder, MD and CEO. Earlier worked at Midland Microfin, Bandhan Bank, Bharat Financial Inclusion, IndusInd Bank and Swadhaar FinServe.

Entrackr
Avishek Sarkar

Co-founder and Chief Risk Officer. Has an MBA from Kalinga Institute of Industrial Technology.

Entrackr

Every line links to the article it came from, written in our own words. Not investment advice.