Madhu Sudhan

Reformed banker. On a mission to change small business financing.

Why Banks Don’t Want to Lend to Your Business for 90 Days


With an estimated 26 mn small businesses providing employment to over 60 mn Indians, small businesses are a key growth engine of the economy. It has also been identified in numerous studies that access to credit is one of the key pain points for the small business. In a recent report on the working capital financing gap in the country published by International Finance Corporation outlines that the bulk of the working capital demand is for short term credit.

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Hello world!


It’s a pretty exciting time for us at LoanZen as we complete our first operational month having enabled multiple businesses to access invoice based financing on our platform. When we started LoanZen in September of 2015, we wanted to build a platform that would solve two key problems that we saw small businesses facing in their ability to find capital to grow their business.

  1. Absence of meaningful short term financing/ working capital options.
  2. SMB’s owner/ entrepreneur’s effort, time involved in securing credit from a bank.

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