MSME credit & trade-finance facilitation
An order won, a supply to fund, a guarantee a tender demands — FairFund structures it with its evidence and connects it to financial partners who decide. The decision always stays with you and with them.
FairFund is not a lender and never decides financing — it facilitates the opportunity; the parties make the final decision. Free for businesses and suppliers today.
Every solution starts from a real transaction and ends with a financial partner's own decision. The label on each card says what runs end to end today and what is captured as a structured requirement — nothing is oversold.
Fund the execution of an order you have already won.
LiveWorking capital, anchored to the transactions that need it.
LiveA named human verification of the order behind the ask.
LiveRequest a BG against a transaction; a provider decides and issues.
LiveRaise your receivable as a structured requirement.
Raise as a requirementFund a supplier’s invoice before your buyer pays you.
Raise as a requirementRaise an LC requirement; an issuing partner decides.
Raise as a requirementAn insurance-backed alternative to a bank guarantee.
Raise as a requirementStructured trade requirements, connected to the partners who fund them.
Raise as a requirementRequirement → transaction details → documents → verification → structured requirement → partner connectivity → partner decision → tracking. Eight steps, and the platform does the complexity so you experience the simplicity.
Start from a genuine business transaction — an order won, a supply to fund, an instrument a tender demands.
The purchase order or sales order, the counterparties, the amounts, component by component.
Held in a private vault with their hashes. Retrieved only through the application, never from a public URL.
A named reviewer verifies each document against the file itself. Self-declared and verified are never conflated.
What needs funding and the evidence behind it, legible on one screen — and only that. The rest of your book stays private.
Every financial partner whose declared mandate matches is notified in the same moment. No ranking, no priority, no badge.
You compare offers and choose. The partner sanctions — or does not — under its own credit policy. FairFund decides nothing.
Disbursement, delivery, invoice, buyer payment, repayment: each a recorded state with evidence, traceable end to end.
An account belongs to a person, not to a company. You pick the organisation you are acting for after signing in, and what you may do there comes from the authority that organisation has granted you — never from what you selected on a form.
Financial partners are FairFund’s primary commercial customers. Businesses and suppliers can use the platform without a platform charge under the current fee schedule. The value for a bank, NBFC, lender or other authorised financier is different: FairFund delivers structured, evidence-backed financing opportunities instead of an unorganised document pile.
FairFund is a two-sided platform. Businesses can use FairFund as a recurring financing and transaction workspace; banks, NBFCs and other financial partners use it to receive structured opportunities and evidence.
Start with a low-friction entry plan. Businesses that use FairFund as an ongoing financing and transaction workspace can subscribe to deeper capabilities. No plan guarantees financing or buys preferential matching.
The traditional route runs Requirement → intermediaries → unknown decision process → delayed information. FairFund runs Requirement → structured information → relevant parties → transparent opportunity → direct evaluation → final decision by the parties. Who raised it, what supports it, what is verified and what is self-declared, who received it, what stage it is at, and whose decision is pending — all visible.
These are not policies a future release could quietly relax. Most are enforced by the absence of a column: there is nowhere in the database for the forbidden behaviour to be stored, and the test suite fails if such a column is ever added.
Every step below is a state in the database with the rule enforced underneath it. A step cannot be skipped by clicking past it, because the refusal comes from a constraint rather than from a screen. Any entry can be followed backwards to the order it came from and forwards to the money it became.
A tender award, a GeM purchase order, a work order or a contract. The transaction starts from something that already happened in the world, not from an application form.
The purchase order and the supplier's quotation are verified by a named reviewer against a document held in the vault. Nothing is marked verified because it was typed in.
What needs funding, and only that. The rest of the order stays private — a financial partner sees the requirement, never the whole book.
Every partner whose own declared mandate matches is notified in the same moment. Nobody is shown it first, and no plan buys priority.
Bids arrive blind: no partner sees another's. They are listed in the order they arrived, with no score, no ranking and no badge.
Behind a second factor, and owing nobody a reason. The cheapest offer need not be the one you take.
Independently, under its own credit policy, and free to approve less than it offered. The balance becomes a fresh requirement.
The partner instructs a payment to a named beneficiary. FairFund records it and never holds it — there is no balance, wallet or ledger in this system.
Dispatch notes and goods receipts. What was delivered is derived from both, so nothing can be called delivered ahead of the evidence.
A receivable with its terms and expected date, then the payment against it. A late payment is recorded as a date, never as a verdict about anyone.
The partner states what is owed — FairFund computes no interest — attests the repayment, and closes only when a verified repayment covers it.
FairFund monetises platform value on both sides. Business plans pay for deeper workspace and intelligence capabilities; financial partners pay for access, tools and realised financing value. Neither side can buy preferential marketplace treatment.
Published here because a platform that hides its pricing invites the suspicion that money shapes its matching. It cannot: every price lives in a database schema the matching service is unable to read.
Automatic verification against a government register needs a commercial agreement with that register. Where one is not signed, this product does not pretend otherwise: the document is checked by a named person and the record says who checked it and what they read.
| Source | State | What that means today |
|---|---|---|
| GSTN | Blocked | Needs a GSP agreement. Until it is signed, GST details are entered and reviewed by a person, and marked as such. |
| E-Invoice (IRN) and E-Way Bill | Blocked | Same agreement. The references are carried on dispatches and invoices, and recorded as unchecked, because nothing checked them. |
| GeM | Blocked | Needs an MoU. Purchase orders are uploaded and verified by a reviewer against the document. |
| MCA | Blocked | Needs a bulk data licence. Company identity is verified from incorporation documents by a named reviewer. |
| RBI register of banks and NBFCs | Imported | The RBI publishes its register for download, and answers about a financial partner come from that imported register — never from a scrape, and never beyond what the register itself says. |
| Udyam | Blocked | No bulk feed is published and no government onboarding exists yet. A Udyam certificate is uploaded and read by a named reviewer. |
| ITR (via Account Aggregator) | Under regulatory review | Income-tax data can only flow through the RBI Account Aggregator ecosystem with the taxpayer’s consent, and FairFund’s eligible role in that ecosystem is a legal determination still in progress. Until it concludes, ITR documents are uploads a business chooses to make. |
| TReDS | By reference | A TReDS reference is recorded against a buyer payment. There is no platform agreement, so it is a reference and is labelled one. |
| AI providers | Disabled | Every provider row is switched off because no data processing agreement is signed. Nothing is sent anywhere for inference. |
| Bank feeds | Manual | A payment is confirmed by a named person against a bank advice. A source nobody has agreed to cannot verify anything. |
Nothing from a disabled source can be marked verified. That is a constraint in the schema rather than a convention, which is why this table can be published without hedging.
No. FairFund is not a bank, an NBFC, a lender, a guarantor or an insurer, and holds no licence to be one. It structures your requirement and connects it to financial partners. The money, if any, comes from a partner that made its own decision.
The financial partner, alone, under its own credit policy. FairFund never approves, never guarantees an outcome, and never scores you. It also never promises that any partner will offer.
Businesses can use a configured entry plan for basic financing discovery and requirement tracking. Paid Business/MSME plans add reusable business and KYB profiles, deeper document and transaction workspaces, financing-readiness, reconciliation, reports, alerts, team access and enterprise/API capabilities as configured.
No. FairFund can provide a free entry plan, but recurring businesses that need deeper workspace, intelligence, reports, team access or integrations can subscribe to paid plans. The exact price and entitlements are configuration-driven.
No. A business subscription buys FairFund product capabilities. It does not buy financier ranking, priority, approval or preferential matching.
Nothing today. Raising requirements, comparing offers and the whole execution trail carry no charge for businesses and suppliers at any volume, under the current fee schedule. Financial partners pay a success fee on closed financings and a subscription.
A financial partner receives structured opportunities that match its own declared mandate, with the transaction, available borrower/company intelligence, evidence, verification state, contradictions and missing-information status assembled in one workspace. The partner keeps its own underwriting, BRE, credit policy and final decision.
The current commercial model charges financial partners a subscription for marketplace entitlements and a success fee on closed financings. The fee does not buy ranking, priority or better matching. It pays for access to the opportunity network, structured evidence, workflow, analytics and related platform capability.
No. FairFund prepares and connects the evidence. The financier performs its own KYC, underwriting, bureau checks, policy assessment, approval and documentation under its own process.
Where available and lawfully accessible, FairFund is designed to assemble company identity, promoters/directors, financial information, GST/tax signals, authorised banking data, existing borrowing information, PO/invoice/delivery/receivable evidence, external signals, contradictions and source provenance before generating a request to the applicant.
Partners whose declared mandate matches see the requirement you opened — never your whole book. Offers are blind: no partner sees another’s. Every read of your data is logged, including searches that returned nothing.
No, and FairFund never conflates the two. Registering and confirming your email is platform onboarding. KYB verification of your organisation is a separate, named-reviewer step, and every record shows which of the two it carries.
The order or contract behind your requirement, quotations or invoices for what it funds, and your organisation’s identity documents. Documents live in a private vault with their hashes and are never served from a public URL.
Not yet, and this product does not pretend otherwise. GSTN, e-Invoice, GeM and MCA integrations await commercial agreements; until then a named human reviewer verifies documents, and the record says exactly that. The live status of every integration is published on this page.
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