Industries That Can Thrive with Capital by Shipyaari

In today’s dynamic financial landscape, alternative financing solutions like Capital by Shipyaari are redefining access to capital for many SMEs and startups. Tailored to be faster, more flexible, and collateral-free, these funding options in India empower diverse sectors to scale quickly. Let’s dive into the industries that can extract the most value from these non-traditional loan products.

Top Industries That Can Benefit from ‘Capital by Shipyaari’ Financing

1. D2C brands – Unlocking digital growth

• Why it fits: The direct-to-consumer (D2C) space thrives on quick inventory turnovers, marketing flexibility, and continuous product launches. Traditional bank loans often lack that speed.

• Market scale: India now houses over 800 successful D2C brands, with the sector valued at USD 44.6 billion in 2021, and projected to surpass $100 billion by the end of 2025.

• Proof of model: Multiple platforms offer D2C business loans via revenue-based financing. Some even deployed funds to over 750 customer-facing firms in FY24, while 250 D2C brands tapped such financing in India alone.

• Shipyaari’s edge: Our financing is ideal for bridging inventory purchases, ad campaigns, or product development, without equity dilution.

2. Retail & E-commerce MSMEs – Fueling rapid stock rotation

• Why it fits: Inventory cycles require swift, short-term injections of capital — classic case for short-term business loans.

• SME financing surge: MSME loans in India reached ₹26 – 28 lakh crore in FY23, growing 13.5 – 13.9% YoY, while digital lending now accounts for over 25% of new MSME loans.

• Shipyaari’s edge: With quicker approvals than banks, Capital by Shipyaari supports inventory replenishment and e-commerce loan needs seamlessly.

3. MSMEs in manufacturing & services – Scaling capacity

• Why it fits: These businesses often need working capital or to invest in equipment, but banks may demand collateral and long processes.

• Shipyaari’s edge: Alternative financing via Capital by Shipyaari offers short‑term options that avoid collateral requisites, and is ideal for production, payroll, or vendor payments.

4. SaaS & Tech Services – Bridging growth gaps

• Why it fits: These firms often operate on ARR (annual recurring revenue) and burn cash pre-profitability – banks don’t understand their revenue models.

• Shipyaari’s edge: Offering short-term business loans, Shipyaari can assist SaaS ventures in hiring, market entry, or customer acquisition, without long waits or fixed collateral.

5. Micro-enterprises & agriculture-linked ventures

• Why it fits: Microloans (≤ ₹3 lakh) dominate disbursements but don’t always match lifestyle and off-bank needs, especially in rural spaces.

• Funding gap: ~5% of lending flows through alternate finance, covering trade receivables and revenue-based options — digital credit models outpacing traditional banking.

• Shipyaari’s edge: Capital by Shipyaari offers quick, small-scale loans ideal for rural entrepreneurs, aligning repayment with business cycles like crop sales or small retail turnover.

6. Emerging food & F&B startups

• Why it fits: From cloud kitchens to packaged foods, these ventures need capital in small bursts — for inventory, equipment, or logistics.

• Market trend: Foodtech companies increasingly use alternative financing, invoice discounting, and short-term loans, as traditional banks fall short.

• Shipyaari’s edge: With quick disbursal and flexible repayment, Capital by Shipyaari supports rapid deployment of working capital across F&B supply chains.

Why Capital by Shipyaari works for these sectors

1. Speed – Applications processed online, approvals within days

2. Flexibility – Short-term business loans tailored to seasonal needs

3. Collateral-free – No heavy asset clauses — ideal for asset-light firms

4. Revenue-aligned repayment – Payments linked to your cash flow or sales

5. Unsecured structure – Aligns with alternative financing trends globally

Stats in context

• India’s alternative lending market is projected to grow ~26.3% y/y, rising from US$7.53 billion in 2023 to US$9.51 billion in 2024, and aims to reach US$18.24 billion by 2028.

• 25% of SME loans in India are issued digitally, and SME loan volumes grew ~12% in 2024 vs 2023.

• MSMEs still receive only ~16% of bank credit despite their significant GDP contribution (29%).

Final take

Across D2C, retail, SaaS, MSME manufacturing, agriculture-linked micro-enterprises and food-tech startups, the demand for flexible, quick, and reliable financing solutions is critical.

Capital by Shipyaari can be a game-changer — leveraging alternative financing, with options like D2C business loans, and short-term business loans — to democratize access to capital. It aligns with fast-changing business cycles and helps fill the credit gap left by banks, making it one of the most viable funding options India has today.