Smarter Payments. Flexible Capital.

Scaling a SaaS or AI company from India means playing on a globalstage. But while your product moves fast, your money often doesn’t.Delayed payments, unpredictable FX rates, endless compliancepaperwork — and on top of that, giving up more equity than youplanned just to fuel the next stage of growth.

We’ve lived this. That’s why Efficient Capital Labs has teamed upwith XFlow.

What This Partnership Means
for Your US-to-India Operations

Stop wrestling with traditional banks and unpredictable transfers.Start experiencing a smoother financial flow:

Send Funds Fast

Get money from your US account to India in aslittle as one business day. Perfect for timely
salary payouts and vendor payments.

Transparent & Fair FX

See your exact exchange rate upfront. We offerrates competitive with mid-market, plus a flat,low fee – no hidden costs or surprises.

Simplified Compliance

Navigate Indian financial regulations with ease.Automatically generate e-FIRAs for RBI & FEMAcompliance.

Unlock Non-Dilutive Capital

Access $250K to $2.5M in funding based onyour consistent operational payments, notyour equity.

Fund Your Growth (Your Way)

Use the capital for hiring in India, expandingoperations, or investing in new initiatives – onyour timeline, on your terms.

From USD inflow to INR growth — discover how founders and CFOs are usingXflow + ECL to fuel global scale.

Real Impact

Managing our significant operational costs in India and finding flexible capital for growth wereconstant challenges. This partnership has simplified our payments dramatically and unlockedfunding based on our actual business flow, not just another equity round. It’s the integratedfinancial solution we needed to truly scale.

Why It Matters Now

International payments are becoming the backbone of modern SaaS. But traditional banking is stillbuilt for legacy businesses. That gap costs founders time, money, and leverage.

Pricing for Efficient Capital Labs Customers

As an existing Efficient Capital Labs customer, you get exclusive access to lower transaction fees with Xflow:

This means faster, more cost-effective operations — and stronger leverage for your next capital raise.

Only 0.6% FX fee on US-to-India transfers

No transaction limits

End-to-end compliance and reconciliationsupport

Ready to Optimize Your US-to-India Financials?

If you’re billing clients overseas, managing intercompany transfers, or just tiredof feeling boxed in by slow banks and equity-heavy raises — this was built for you.

Want to talk through how it works for your business? Let’s walk you through it.

Talk to Us

Let’s explore how Xflow and ECL cansupport your next stage of growth.

See the Difference:
FX Calculator

Want to know what you’llactually receive?

💰 Sending $10,000

🚀 Xflow (ECL Rate)
Transfer time: 1–2 days
₹ 0
🏦 Traditional Bank
Transfer time: 3–4 days
₹ 0
💸 You Save: 0