5+ 9+

IOUX (A Unit of Petit Moyen Kapital, RBI registered NBFC)

Eligible Businesses

Business Enterprises engaged in Manufacturing, Trading or providing Services including Micro, Small & Medium Enterprises (MSMEs).


Working Capital Credit through

  • Invoice & Bills Discounting
  • Working Capital Term Loan / Line of Credit

Financing of Invoices & Bills accepted through IOUX at concessional terms*.

IOUX based Digital Securitization for Financing of Supply Bills & Invoices of Operational Creditors resolves the problem of their Delayed Payments.


  • The Business Enterprises should be 3 years old and having achieved profit during the last two years as per audited/ certified Accounts
  • Positive Net Worth and Sound Financials of Promoters/ Directors/ Partners/ Proprietor.
  • Satisfactory Credit track record with existing Bankers / FIs

Key Attractions

  • Up to 100% finance based on track record.
  • No/Very Low collateral option
  • Low processing fee
  • Attractive Interest Rates

Documentation / Disbursement

  • Simple Loan documentation
  • Fast Disbursement
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Create Contract

Select draft Agreement & finalise terms with second party. Affix Stamp Duty & eSign

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Create smart contract

Sign & Execute

eSign from Computer or Mobile, along with eKYC, eStamp Paper & obtain Digital Document Execution (DDE) Report

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eSign and Execute

Track & Manage

Milestone monitoring, Auto reminders Completion Updates, Failure Notices

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Track and Manage