Seeds Fincap is a Gurugram non-deposit-taking NBFC lending to nano enterprises, small businesses and individuals, mainly in Tier 2 and Tier 3 towns, where borrowers run real businesses but rarely have the audited accounts, tax filings or credit history that bank underwriting requires. Founded by Subhash Chandra Acharya, Avishek Sarkar and Sumeet Dhall, it began lending in 2021 and assesses borrowers on cash flow, with field teams handling sourcing, onboarding, credit assessment, documentation, collections and monitoring. Loans range from ₹50,000 to ₹10 lakh, including unsecured Samvardhan and
1StartupFox story
2021Founded
MSME LendingSector
Oct 2026Latest coverage
Funding
Seeds Fincap has raised $24M across 3 disclosed rounds, most recently a Series B in October 2026.
$24MRaised
Series BLatest round · October 2026
3Events
Series BOctober 2026reported
$10M
InvestorsMichael & Susan Dell Foundation (lead), Z47, Lok Capital, Norinchukin Capital, Alteria Capital
Valuation
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October 2026Series B$10MMichael & Susan Dell Foundation (lead), Z47, Lok Capital, Norinchukin Capital, Alteria Capital
August 2025Follow-on round$5.5MZ47 (co-lead), Lok Capital (co-lead)
July 2024Series A$8.5MLok Capital (co-lead), Matrix Partners India, now Z47 (co-lead)
Investor roster
Every disclosed backer and how often they've written a cheque — repeat names are the strongest conviction signal on the cap table.
New · Latest leadMichael & Susan Dell Foundation (lead)1 round · 2026
Lok Capital (co-lead)2 rounds · since 2024
Alteria Capital1 round · 2026
Lok Capital1 round · 2026
Norinchukin Capital1 round · 2026
Z471 round · 2026
Z47 (co-lead)1 round · 2025
Matrix Partners India1 round · 2024
now Z47 (co-lead)1 round · 2024
Aggregated automatically from the disclosed rounds above.
Financials
Revenue and profit after tax as filed with the Registrar of Companies.
Begins lending to micro and small businesses in Tier 2 and Tier 3 towns from Gurugram, with unsecured Samvardhan and secured Samridhi loans for traders, manufacturers, service providers and dairy businesses with at least three years' histor ↗
July 2024 · funding
Series A — $8.5M, led by Lok Capital (co-lead).
Jul 2024 · milestone
Raises over $4.5 million in debt through non-convertible debentures from its first development finance institution, with 100 branches across eight states including Uttar Pradesh, Bihar, Rajasthan and Haryana, a loan book above ₹330 crore an ↗
August 2025 · funding
Follow-on round — $5.5M, led by Z47 (co-lead).
Aug 2026 · milestone
Reaches ₹722 crore in assets under management across 164 branches and more than 70,000 active borrowers, after disbursing about ₹620 crore in FY26, its second consecutive profitable year. ↗
October 2026 · funding
Series B — $10M, led by Michael & Susan Dell Foundation (lead).
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Seeds Fincap is a Gurugram non-deposit-taking NBFC lending to nano enterprises, small businesses and individuals, mainly in Tier 2 and Tier 3 towns, where borrowers run real businesses but rarely have the audited accounts, tax filings or credit history that bank underwriting requires. Founded by Subhash Chandra Acharya, Avishek Sarkar and Sumeet Dhall, it began lending in 2021 and assesses borrowers on cash flow, with field teams handling sourcing, onboarding, credit assessment, documentation, collections and monitoring. Loans range from ₹50,000 to ₹10 lakh, including unsecured Samvardhan and
Who founded Seeds Fincap?
Seeds Fincap's founders and leadership on record at StartupFox are Subhash Chandra Acharya, Avishek Sarkar and Sumeet Dhall.
How much funding has Seeds Fincap raised?
Seeds Fincap has raised $24M across 3 disclosed rounds. The most recent was a $10M Series B in October 2026.
Who are Seeds Fincap's investors?
Disclosed investors in Seeds Fincap include Michael & Susan Dell Foundation (lead), Z47, Lok Capital, Norinchukin Capital, Alteria Capital, Z47 (co-lead), Lok Capital (co-lead), Matrix Partners India, now Z47 (co-lead).
Is Seeds Fincap profitable?
Per its FY24 standalone filing, Seeds Fincap reported ₹64 Cr in revenue.
What is the latest news on Seeds Fincap?
The most recent StartupFox coverage is “Seeds Fincap Raises ₹100 Crore to Lend to Businesses Too Small to Have a Balance Sheet” (1 October 2026). All stories are listed on this page.
Sources & updates
This profile is compiled by the StartupFox desk from company announcements, regulatory and exchange filings (RoC/MCA, NSE/BSE) and our own reporting. 0 of 3 funding rounds link to a named source.
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