Xtracap Fintech India Pvt. Ltd. is a Noida-based fintech company committed to bridging the credit gap faced by small businesses, retailers, and distributors in India. Focused on supply chain finance, Xtracap provides innovative digital solutions through its flagship platforms, XtracapNEO and Bridge2Capital, which enable micro, small, and medium enterprises (MSMEs) to access short-term working capital. These platforms allow businesses to raise credit against unpaid invoices, ensuring a smooth cash flow to manage daily operations, inventory procurement, and vendor payments. By leveraging real-time data, artificial intelligence, and digital KYC processes, Xtracap ensures quick loan approvals and disbursements, significantly reducing the turnaround time typically associated with traditional financial institutions.

Xtracap specifically targets businesses in Tier 1 and Tier 2 cities, where access to formal credit is often limited. The company’s technology integrates seamlessly with the supply chains of manufacturers, wholesalers, and distributors, allowing for real-time credit decision-making and transaction monitoring. This not only improves financial transparency but also enables lenders to assess risk more accurately.

Backed by the IIFL Fintech Fund, Xtracap is rapidly scaling its operations and expanding into key markets across India. The company is actively forming strategic partnerships with FMCG companies, NBFCs, and large wholesalers to enhance credit availability for underserved sectors. By empowering MSMEs with timely and affordable financing, Xtracap is contributing to greater financial inclusion and playing a crucial role in strengthening India's business ecosystem. With the growing demand for digital financial services and the government's focus on supporting small enterprises, Xtracap is well-positioned to become a leading player in India’s evolving fintech landscape.