Insights That Matter

Perspectives That Moves

Bharat Forward

Insights That Matter

A Complete Guide on Business Loans for MSMEs in India

A practical guide to MSME loans in India: products, eligibility, documents, APR/KFS, and steps to apply for new or expanding businesses.

Digital Lending and the Scope for NBFCs to Bridge the Credit Gap
in the MSME Sector

NBFCs and digital lending are closing India’s ₹25.8T MSME credit gap with faster approvals, data-driven risk models, and collateral-free loans for small businesses.

Finance Gap in SMEs: Challenges, Causes, and Solutions

Explains the SME funding gap in India – what it is, why it exists, and solutions.

Maximising Benefits of Collateral-Free MSME Loans

Explore collateral-free MSME loans in India: key features, schemes like CGTMSE, application process, and tips for choosing the right lender.

What is Financial Literacy and Why is it Important for Indian MSMEs?

What is Financial Literacy for Indian MSMEs? Learn budgeting, cash flow, APR/KFS, digital safety and training to choose credit wisely and grow.

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Progcap @ SFF - Turning Risk
into Resilience for Emerging Market SMEs

At the Insights Forum at Singapore FinTech Festival, Progcap joined leaders from fintech, credit guarantees and development finance to explore how innovation can turn risk into resilience and make SME inclusion durable. The discussion focused on partnerships, digital infrastructure and risk-sharing frameworks that unlock growth by distributing risk more wisely, not eliminating it.

“Trust First, Technology Next” – Progcap at GFF 2025

At GFF 2025,Team  Progcap  underlined a simple but powerful truth: technology only works when it’s built on a foundation of trust.  Progcap’s approach to building long-term, inclusive finance—where trust is the core layer, and technology scales its impact.

Redefining Fintech Growth: Inclusion and Responsibility First

At the 5th DLAI Conclave, Progcap, highlighted the fintech industry’s responsibility to serve the next 100 million customers responsibly. Progcap’s insights on trust, inclusion, and sustainable growth reinforced its role as a thought leader shaping India’s evolving fintech landscape.

The MSME Blueprint for Viksit Bharat

In this episode of the Unified Fintech Forum Conclave 2025 podcast, Progcap Co-founder Pallavi Shrivastava shares how Progcap is enabling MSMEs with seamless credit access and digital-first solutions.
She highlights how our on-ground impact, tech-led model, and focus on last-mile retailers are helping strengthen India’s growth engine and accelerating the country’s progress toward Viksit Bharat.

Fixing What Holds MSME Financing Back

At the India Fintech Conclave 2025, Progcap Co-founder Pallavi Shrivastava pointed to the real bottleneck in MSME financing—not ideas, but outdated systems. She called for a rebuild of how trust, risk, and credit flow to the last mile.   For stakeholders across the value chain, Progcap is shaping this shift by creating financing infrastructure that’s transparent, tech-led, and built for everyday business realities.

Pioneering Change: Founder's Speak

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Turning Risk into Resilience for Emerging Market SMEs:

At the Singapore FinTech Festival, Progcap joined global leaders across fintech, credit guarantees, and development finance to reframe how risk is managed—not eliminated—to build durable SME resilience. The conversation emphasized partnerships, digital infrastructure, and smarter risk-sharing as the foundation for inclusive growth.
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Trust First. Technology Next

At GFF 2025, Progcap reinforced a defining belief: technology can only scale impact when it is anchored in trust. Progcap’s model places trust at the core of inclusive finance, with technology acting as the multiplier—not the starting point.
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Redefining Fintech Growth: Inclusion with Responsibility

At the 5th DLAI Conclave, Progcap highlighted the fintech sector’s responsibility in serving the next 100 million customers. The focus was clear—sustainable growth comes from responsible credit, transparent systems, and long-term inclusion.
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The MSME Blueprint for Viksit Bharat

On the Unified Fintech Forum Conclave 2025 podcast, Co-founder Pallavi Shrivastava shared how Progcap’s tech-led, last-mile approach is strengthening India’s MSME backbone—combining seamless credit access with real on-ground impact to accelerate the Viksit Bharat vision.
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Fixing What Holds MSME Financing Back

At the India Fintech Conclave 2025, Pallavi Shrivastava pointed to the real constraint in MSME finance—outdated systems of trust, risk, and credit flow. Progcap is addressing this by building transparent, tech-enabled financing infrastructure aligned with everyday business realities.
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Purpose-Led Fintech in Action

Engaging with students at IIM Kozhikode (PGP-BL), Co-founder Himanshu Chandra shared Progcap’s journey of bridging the MSME credit gap through distributor data, brand partnerships, and scalable technology—demonstrating how purpose and scale can coexist.
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Driving the Future of MSME Lending

At the IITBAA FinTech Summit 2024, Himanshu Chandra represented Progcap in a discussion on how innovation in commercial lending is reshaping financial services—keeping MSME empowerment at the center of this transformation.
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Recognized for Excellence in MSME Lending

Progcap was awarded Best-in-Class MSME Lending Startup at the India International Fintech Festival 2024 (ASSOCHAM). The recognition underscored Progcap’s leadership in building scalable, unsecured, and digitally driven lending models for India’s MSMEs.
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São Paulo, Brazil

how technology is dismantling credit barriers for MSMEs.

Pallavi Shrivastava was invited to join over 300 financial visionaries to explore how AI and sustainable financing are revolutionizing small business finance on the panel, ‘Harnessing Sustainability-Linked and AI-Powered Supply Chain Finance

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São Paulo, Brazil

how technology is dismantling credit barriers for MSMEs.

Pallavi Shrivastava was invited to join over 300 financial visionaries to explore how AI and sustainable financing are revolutionizing small business finance on the panel, ‘Harnessing Sustainability-Linked and AI-Powered Supply Chain Finance

03
São Paulo, Brazil

how technology is dismantling credit barriers for MSMEs.

Pallavi Shrivastava was invited to join over 300 financial visionaries to explore how AI and sustainable financing are revolutionizing small business finance on the panel, ‘Harnessing Sustainability-Linked and AI-Powered Supply Chain Finance

ProgConnect Newsletter

April–September 2024

$1B disbursed in six months. Debt partnerships doubled. National footprint strengthened.

Progcap closed H1 FY24 with exceptional momentum, reinforcing its position as a trusted, and innovation-led fintech for India’s MSMEs. Backed by national recognition, global platform participation, and solutions like B2BProg. Progcap worked with a focused push into underserved markets—enabling MSMEs to scale during their most critical business cycles.

AMJ

2025

Dear valued stakeholders,
When we set up Progcap, our premise was simple: India’s growth story cannot be complete while ₹80 lakh crore of MSME credit demand remains unmet1. Bridging that chasm is no longer optional; it is the single biggest lever for jobs, productivity and inclusive prosperity.
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Progcap(Desiderata Impact Ventures Private Limited) is an award-winning financial technology firm that aims to revolutionize the path of providing financial access to underserved segments of the Indian retail economy and empower promising enterprises with capital for progress. We work across the entire retail ecosystem and supply chain with our end-to-end financial services and solutions.

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1st Floor, C-3, Block C, Qutab Institutional Area,

New Delhi, Delhi-110016

CIN - U74999DL2017PTC310632

Grievance Redressal Officer

Name: Jeetendra Singh Patwal

Contact: +91-7669302039

Email: jeetendra.patwal@progcap.com

© ProgCap 2026 | All Rights Reserved

Progcap(Desiderata Impact Ventures Private Limited) is an award-winning financial technology firm that aims to revolutionize the path of providing financial access to underserved segments of the Indian retail economy and empower promising enterprises with capital for progress. We work across the entire retail ecosystem and supply chain with our end-to-end financial services and solutions.

Useful Links

About UsSamvaadLife @ ProgcapResourcesContact Us
MSME Financing ProductProgshaktiProgComm

Partner

Progfin Private LimitedAditya Birla Capital LimitedMuthoot Finance Ltd

Desiderata Impact Ventures Private Limited

1st Floor, C-3, Block C, Qutab Institutional Area,New Delhi, Delhi-110016CIN - U74999DL2017PTC310632

Grievance Redressal Officer

Name: Jeetendra Singh Patwal
Contact: +91-7669302039
Email: jeetendra.patwal@progcap.com

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