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Growth readiness

Before we fund, we understand.

Our seven-point Growth Readiness Check makes sure capital is used to buy more cars, sell more cars and earn more profit.

  1. 01

    Inventory health

    Can you sell what you buy?

    • Average stock age
    • Fast-moving models
    • Dead inventory %
    • Stock turn ratio
    TargetUnder 45 days ageing
  2. 02

    Profitability

    Does more inventory create more profit?

    • Gross margin per car
    • Net margin %
    • Operating profit
    • Cash conversion cycle
    TargetPositive and growing
  3. 03

    Inventory rotation

    How fast does your capital rotate?

    • Monthly sales velocity
    • Days to sale
    • Repeat customers
    • Booking conversion
    Target8–12+ turns a year
  4. 04

    Growth potential

    Will funding grow your business?

    • Missed opportunities
    • Demand vs supply gap
    • Room to expand geographically
    • Premium inventory capability
    TargetGrowth ready
  5. 05

    Financial discipline

    Can you manage growth responsibly?

    • GST filings
    • Bank statement analysis
    • Existing liabilities
    • EMI behaviour
    TargetClean repayment track
  6. 06

    Procurement capability

    Can you source the right cars consistently?

    • Auction access
    • OEM relationships
    • Dealer network
    • Trade-in pipeline
    TargetSustainable supply
  7. 07

    Purpose of funding

    Where will the money be used?

    Approved use

    • Inventory purchase
    • Business expansion
    • Fast-moving stock acquisition

    Not funded

    • Personal expenses
    • Repaying old debt
    • Cash-flow crisis management

How we partner

We partner on readiness, not just requirement.

Right dealer. Right capital. Right growth. Your score decides the kind of partnership — every score has a path forward.

  • 80+

    Growth partner

    • Higher funding limits
    • Faster approvals
    • Priority inventory access
    • Growth programmes
    • Dedicated relationship manager
    Funding to accelerate growth
  • 60–79

    Development partner

    • Funding with guidance
    • Inventory planning support
    • Business improvement plan
    • Performance monitoring
    • Growth coaching
    Funding + enablement
  • Below 60

    Improvement first

    • Strengthen operations
    • Improve financial discipline
    • Build an inventory strategy
    • Increase sales velocity
    • Re-apply after improvement
    Build. Improve. Then grow.

Why this matters

Capital doesn't create success. The right dealer does.

  • Protects your business from misuse of funds

  • Ensures capital creates higher returns

  • Builds stronger dealer partnerships

  • Lower risk. Higher growth. Better profits.

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