UpTik, a structured alternative investment platform, has achieved ₹12 crore in monthly lending, marking another strong step in its rapid growth trajectory and strengthening its position in the alternative credit ecosystem.
The company’s growth was supported by a strong operating track record. The company has deployed ₹60 crore in lending over the last 14 months, 65 per cent average month-on-month growth, and a 35 times scale-up in volume in the last one year.
UpTik’s core offering focuses on invoice discounting, enabling MSMEs and vendors to unlock working capital against verified invoices raised on large corporate buyers.
Under the platform’s model, vendors can receive funds in two to three days, while invoice tenures typically range from 30 to 90 days. The company uses escrow-backed mechanisms and legally enforceable contracts to facilitate transactions between businesses and investors. The platform has been designed around discounting highly rated corporate invoices.
The company has a strong tech stack enabled by AI-powered credit approval engine designed to assess invoice authenticity, buyer risk and MSME creditworthiness, alongside blockchain-based invoice discounting aimed at improving auditability, transparency and repayment processes.
Vinod Varma, Founder of UpTik said achieving ₹12 crore in monthly lending is a strong validation of the demand for faster, technology-led access to credit.
“Our objective is not simply to grow volumes, but to build a responsible alternative credit platform where strong underwriting, transparency and technology work together,” he said.
The company’s strategic advisory board also brings significant experience from global banking, finance and law, including senior professionals associated with ICICI Bank, Westpac, Standard Chartered, Citibank and K&L Gates, he said.
The company’s growth trajectory is supported by focused process excellence, risk governance, compliance and investor protection.
As UpTik continues to scale its lending operations, the company aims to strengthen its role in bridging India’s significant MSME credit gap while creating broader access to structured, real-economy-backed alternative investment opportunities, it added.
Published on August 19, 2026