ABOUT U GRO

UGRO Capital Limited is a Data Tech Lending platform that uses its strong distribution reach and Data-tech methodology to solve the small business credit gap in India.

U GRO Capital's term loan programmes are ideal for MSMEs, regardless of their specific requirements. It offers a dedicated programme for secured and unsecured loans aimed at MSMEs and has partnered with large OEMs to provide an end-to-end solution. U GRO Capital's Supply Chain programme provides MSMEs with both demand and supply side solutions, as well as tailor-made programmes for Micro companies.

U GRO Capital's Data Analytics capability and strong Technology architecture provide customised sourcing platforms for each sourcing channel. GRO Plus, an uberized intermediated sourcing module, GRO Chain, a supply chain financing platform with automated end-to-end invoice approval and flow, GRO Xstream platform for co-lending, an upstream and downstream integration with fintechs and liability providers, and GRO X application to provide embedded financing options to MSMEs.

U GRO Capital's credit scoring model GRO Score (3.0) a statistical framework using AI / ML to risk rank customers is revolutionizing the MSME credit by providing on-tap financing like consumer financing in India. UGRO Capital has pioneered the "Lending as a Service" (LaaS) model in India and has effectively operationalized Co-lending relationship with 10+ Large Public Sector Banks and large NBFCs and built a sizeable LaaS book of more than 10% of its AUM through the GRO Xstream platform.

The Company is backed by marquee institutional investors (raised INR 900+ Cr of equity capital in 2018 and INR 340 Cr in 2023) and aims to capture 1% market share over the next three years.

MISSION

U GRO’s mission is to ‘Solve the Unsolved’ —- the 600Bn USD Small Business Credit Need. We believe that the problem of small businesses can be solved by building deep expertise around core sectors of SMEs in India coupled with a data centric, technology-enabled approach.