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.
.png){kind=icon}
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.
.png){kind=icon}
Simplified Compliance
Navigate Indian financial regulations with ease.Automatically generate e-FIRAs for RBI & FEMAcompliance.
.png){kind=icon}
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.
Get in Touch
See the Difference:
FX Calculator
Want to know what you’llactually receive?