Where We Focus
Funding for SME Commercial Claims (₹1–5 Crore)
The ₹1–5 crore commercial claim is the awkward middle: large enough to hurt when written off, small enough that big funders and boutique structuring don't bother. That gap is exactly where a standardised, recoverability-first funding lane fits — meaningful claims for SMEs and promoters, assessed on whether they convert to cash rather than on headline size.
Executive Summary
Indian businesses routinely carry contract disputes, unpaid receivables and supply claims in the low crores. Below the radar of large funders and above the reach of informal recovery, many simply get provisioned away.
A dedicated mid-band offer treats these as recoverable assets: a clear eligibility screen, non-recourse funding where the cost of pursuit is covered under the arrangement, and repayment contingent on recovery — so the SME keeps its working capital in the business.
Where the mid-band claim falls today
| Claim size | Typical market response | The gap FMC addresses |
|---|---|---|
| Under ₹1 crore | Handled informally or written off | Fast-track screening (see small & mid claims) |
| ₹1–5 crore | Too small for large funders, too big to absorb | Standardised, recoverability-first funding lane |
| Above ₹5 crore | Bespoke structuring by larger funders | Assessed case by case |
Signs your SME claim belongs in this band
- A commercial dispute or receivable roughly ₹1–5 crore in value
- A counterparty that still operates or holds recoverable assets
- Documentation — contracts, POs, invoices, correspondence — largely intact
- The claim was shelved because pursuing it would strain cash flow
- No one has independently scored whether it can be recovered
Frequently asked questions
Is this a loan against my claim? ▾
No. Non-recourse funding is repaid only from recovery. If the funded claim fails, there is no repayment obligation and it is not recorded as debt.
What does the business have to fund itself? ▾
Documents and decisions, not the litigation budget. Costs of pursuing a funded claim are covered under the funding arrangement.
Why a specific ₹1–5 crore focus? ▾
Because it is structurally under-served: claims here are too small for global funders yet too large to write off comfortably. A standardised lane makes them viable.
How fast can we know if we qualify? ▾
Start with the free eligibility check for a preliminary indication; formal diligence follows for claims that proceed.
Related Guides
Assess your claim's recoverability
A free, structured, 5-step assessment of whether your claim may qualify for funding. Preliminary indication only, subject to due diligence.
Check Your Claim Eligibility