Government & Institutional Partnerships

Ethics Fintech collaborates with leading government and quasi-government institutions to strengthen India’s formal credit ecosystem and drive inclusive, sustainable growth across the healthcare and MSME sectors. These strategic partnerships are closely aligned with national development priorities, enabling the expansion of affordable healthcare access, MSME empowerment, and digital financial inclusion.

By leveraging technology-driven, secure, and transparent financial frameworks, we support the creation of scalable credit solutions that promote digital lending practices, operational efficiency, and long-term economic impact across diverse stakeholder ecosystems.

Key Ecosystem Partners

Our ecosystem partnerships span critical national platforms and institutions that play a foundational role in India’s financial and healthcare infrastructure. Through our association with the TSP, which provides a framework based on the OCEN and Account Aggregator ecosystems, we support financial inclusion by enabling secure, consent-driven data sharing and expanding formal credit access for MSMEs across the country.

Our collaboration with SIDBI focuses on empowering Jan Aushadhi Kendras by improving access to timely working capital, strengthening operational efficiency, and supporting the nationwide delivery of affordable medicines. In partnership with PMBI, we contribute to the development of an open, secure, and interoperable credit infrastructure that enhances transparency, scalability, and last-mile financing across India’s healthcare ecosystem.

Partners-NBFC / Co-operative Banks

Additionally, there are multiple state and central government initiatives that are proposed to be associated with fintech.

Ethics Fintech partners with leading financial institutions to deliver scalable and responsible lending solutions. Currently supported by SIDBI as a key lending partner, we are actively expanding our ecosystem by onboarding other PSB, Private Banks, NBFCs and Co-operative Banks to strengthen our credit offerings.

With strong anchor partnerships and a large, trusted customer database, we enable NBFCs and Co-operative Banks to efficiently access quality borrowers through our digital platform. Our focus is on building long-term collaborations that drive faster credit delivery, operational efficiency, and financial inclusion, while maintaining the highest standards of compliance and transparency.

Authority letter to ethics fintech private limited for On boarding Jan aushadhi Kendra [JAK’s] customer on GST sahay platform to avail invoice based financing and term loan from SIDBI.

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What is Invoice Based Financing (IBF)?

Invoice Based Financing (IBF) is a working capital solution that enables businesses to access instant credit against their purchase invoices. Instead of waiting for sales or customer payments, eligible stores and distributors can unlock funds to manage inventory, daily operations, and business growth efficiently.

How IBF Works

Borrower On-boarding

Stores or distributors are onboarded through an approved anchor platform after completing KYC and document verification.

Real-Time Credit Assessment

Credit evaluation is conducted using business data, banking history, and transaction patterns.

Working Capital Limit Assignment

A revolving working capital limit is sanctioned based on eligibility and credit assessment.

Invoice-Based Utilization

The approved limit can be utilized against eligible invoices for inventory procurement or business requirements.

Monitoring & Repayment

All transactions are digitally monitored, and repayments follow the defined credit cycle.

Renewal or Roll-Over

On successful repayment performance, limits may be renewed or rolled over as per policy.

KEY FEATURES AT A GLANCE

upto ₹ 25 Lakh

Loan amount

1 year

Validity of Sanction Limit

100% digital

Application mode

10-12%

interest rate

60 Days

Tenure of each Invoice disbursed

Key Benefits

For Anchors

  • Strengthened retailer ecosystem
  • Improved retailer turnover and liquidity
  • Reduced reliance on informal credit channels
  • Real-time monitoring and visibility of transactions

For Stores / Distributors

  • Fast and paperless access to working capital
  • No collateral required
  • Improved liquidity during slow sales periods
  • Faster inventory replenishment and business continuity

Eligibility Criteria

  • Sole Proprietor
  • Valid Udyam Registration
  • Active GST Registration (GST Certificate)
  • Valid Drug License (where applicable)
  • Anchor-approved store or distributor
  • Satisfactory credit history
  • Minimum 6 months of bank statements