Reyansh Mehta
The turning point came while spending two weeks with kirana store owners in Ahmedabad. Watching a merchant turn down a high-volume seasonal inventory order because a bank took three weeks to process a ₹50,000 loan request made the problem undeniable. Traditional underwriting looks at balance sheets that small vendors simply don't maintain. We spent 18 months building dynamic credit evaluation protocols that analyze cash flows using daily UPI receipts and inventory turnover metrics. Scaling this model meant navigating complex regulatory frameworks while keeping transaction costs down to fracti…
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