SuperMoney is an “embedded” supply chain finance provider for MSMEs, partnering with large anchor brands to access their MSME distributor and retailer networks. Its products span embedded supply chain finance, business loans, ERP/DMS solutions, and micro-insurance. Supermoney serves 30,000 merchants, 120+ distributors, and 24 anchor brands.

India’s 70 million MSMEs face a severe financing crunch: formal credit penetration is only 14 percent, creating a USD 500B-plus credit gap. Many lack the documentation needed for formal loans and end up relying on costly informal credit, limiting their ability to maintain stock or grow. SuperMoney tackles this by integrating into anchor brand supply chains and using API-driven enterprise data to assess cash flows, repayment ability, and capital needs. This allows it to underwrite short-term working capital loans more accurately and assign credit scores to MSMEs usually ignored by traditional lenders.

The company was founded by three finance professionals with deep MSME expertise. Nikhil Banerjee, an IIM-C alumnus, brings more than 20 years of banking experience from ICICI and Bank of America. Sapna Pugalia and Zafar Imam, veterans of SME lending, previously worked at Progcap, a major SME lender in India.