Get your startup financed in INR
Growth capital for Indian AI & SaaS startups—with no dilution
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Founders need modern, flexible capital to scale their business
At Efficient Capital Labs - our vision is to democratize access to capital. We empower founders worldwide, helping them scale their businesses through accessible growth capital, enabled by modern technology.
The Problem
Founders need capital to grow, but mainstream funding options often fall short:
Dilutive
On average, founding teams retain just 25% equity at exit.
Slow
Founders need flexibility to respond to market changes - they need fast and just-in-time capital.
Hard to access
Many founders, especially in emerging markets and early stages, can't access traditional loans because of collateral requirements
Efficient Capital Labs Solution
We provide a lifeline to the thousands of founders driving the $300 billion global SaaS market, and are expanding to additional markets. Since 2022, we’ve been offering fair and accessible financing to founders around the world.
Explore our Use Cases
How can financing from ECL help you scale your AI or SaaS business?
Grow without dilution
The average equity stake at exit is just 25% for founders. We help you to scale your business without giving away equity or ownership, with the financing you need to hire, operate and build.
Get funding in multiple markets
Get funded in the geographies where you are investing and expanding. Currently we offer financing in USD, INR and SGD.
Extend your runway
Our financing powers growth between your venture rounds. If you are exploring bridge funds to achieve your next milestone or growth metric before the next round, non-dilutive finance from ECL can help you get there.
Invest in marketing and growth
Growth is a major expense for scaling companies. Every dollar spent on growth can be multiplied into sustainable revenue. Paying for that growth - whether entering a new market, or marking a key hire - requires financing on day one.
How much funding can I get?
Calculate your potential funding
Annual Recurring Revenue (ARR)
India's Premier AI & SaaS Funding Solution
We champion a modern approach towards INR financing.
Non-dilutive AI & SaaS funding
Grow with up to INR 2 crore of financing, while preserving your ownership. Receive up to 65% of your annual revenue upfront, with no equity, warrants or dilution.
Rapid funding offers for AI & SaaS startups
Time your cash to your opportunities. For INR financing, receive an offer within 3 weeks.
Modern experience
Monitor your funds with our online dashboards, and our 20 minute application saves you time with APIs and AI for fast processing.
Borderless financing
Get recognized for your growth in all geographies, via our global underwriting. Get funded in INR, USD and SGD.
Am I eligible for INR funding?
We look for companies who:
Are B2B or recurring revenue businesses
Generate > ₹85 lakh INR in annual revenue
Operate in the software or digital sectors
Have, or are willing to open an India entity or subsidiary (for INR financing)
How it works
Our online application takes 20-30 minutes.
Apply online
Help us get to know your business. Sync and submit your bank, accounting and contracts data.
Receive an offer
Your offer will include the amount we can finance, and a transparent flat pricing offer - there are no hidden costs!
Get funded in INR
We partner with local NBFC partners to finance your startup, and help you grow
Empowering India's AI & SaaS ecosystem
Join over a hundred customers financed by us
INR Financing FAQ
How much INR capital can I access?
We provide up to INR 2 crore of funding. We can offer up to 65% of your company’s annual recurring revenue (based on our estimates), up to our max funding amount.
What is the cost?
Our pricing is simple and clear. When you take funding from us, we charge a flat fixed fee percentage of the total amount you borrow. That’s it— no extra charges. Speak to our team to learn more.
What is the application process for our AI & SaaS funding?
In order to be considered for INR funding, please apply using this link.
How long does it take to get a funding offer?
We can provide you with an offer in 3 weeks of application, and submission of all required documents.
Which NBFCs do you partner with?
We have partnered with Arthmate, U GRO Capital Private Limited, and Stride One Capital Private Limited to provide financing.
How is ECL's startup financing different from a bank loan?
When banks give out loans, they usually request collateral to secure the loan. Plus, it can take a long time to get the loan - sometimes up to 3 months. For our AI & SaaS customers, it can be tough to provide this collateral and to delay growth while waiting for a loan. With us, you can get faster an without collateral.
How is this different from venture capital?
We do not take equity. Our funding is 100% non-dilutive, meaning it won’t decrease your ownership. Instead, we have a clear and set fee that’s based on how much funding you get from us. Your ownership stays with you.
How is this different from venture debt?
Venture debt often includes a warrant, which gives the lender the right (but not the obligation) to buy shares of the company. This can lead to dilution of ownership for the founder. Our funding is 100% non-dilutive.
How is this different from a line of credit?
After we give you our first offer, you can decide if you want to take all of it or just a part of it, up to the amount we offered. During the first 90 days after we make the offer, you can also easily request more capital up to the offered amount. After those 90 days, there’s a similar process to when you first applied. We call it re-underwriting. It usually takes about 15 minutes to complete this part of the application. We will make you a new offer following re-underwriting.
What can I use the funds for?
There are no restrictions on use of funds, as long as they are for business purposes. Typically, our customers use funds to reach growth goals, including for marketing and hiring.
What are your requirements to apply for INR financing?
Our capital is available to B2B companies, who are in the software or digital services industries. To be eligible, companies should have an India entity, an annual recurring revenue of at least ₹85 lakh INR, and 6 months of revenue history.
What do I need to apply?
It’s quick to apply: our application takes 20-30 minutes. You’ll need to tell us some information about your company to give us the information we need for our risk team to make a decision. We’ve made this easy with connections to your banks, accounting software and other tools. But if you prefer, you can also talk to our team and work with them to share this information directly.
What if I have another question about your startup funding options for Indian AI & SaaS companies?
You can reach out to us at contact@ecaplabs.com, or fill out a form to get in touch.
How can I reach the Nodal officer?
This is specifically for customers who have received financing via our NBFC partner Arthmate.
You can reach out to us at below:
Yogesh Rohilla
Arthmate Financing India Private Limited
The Circle Work, 3rd Floor,
Huda City Center, Sector – 29,
Gurugram, Haryana – 122002
Email: statutory.compliance@arthmate.com
Tel: +91 – 7835009643
OR
Manish Arora
Efficient Fintech Solutions Private Limited
WeWork Galaxy
43 Residency Road
Bengaluru, KA, India - 560025
Email: nodalofficer@ecaplabs.com
Tel: +91 - 7065937125
What is the grievance redressal process?
This is specifically for customers who have received financing via our NBFC partner Arthmate.
You can reach out to us at below:
Deepika Rawat
Arthmate Financing India Private Limited
The Circle Work, 3rd Floor,
Huda City Center, Sector – 29,
Gurugram, Haryana – 122002
Email: statutory.compliance@arthmate.com
Tel: +91 – 7835009643
OR
Akshi Sood
Efficient Fintech Solutions Private Limited
WeWork Galaxy
43 Residency Road
Bengaluru, KA, India - 560025
Email: grievances@ecaplabs.com
Tel.: +91 – 7065937123