NBFC Backed · Fast Approvals

Instant Liquidity for Your Business—Exactly When You Need It

Cover salaries, vendor payments, and operations—even when payments are delayed. Short-term liquidity in 24–72 hours.

✦ Check Eligibility Login to Dashboard
✓ Fast Approval 24–72 hrs
✓ NBFC Backed
✓ No Long-Term Commitment
AQTFlow Dashboard
Available Flow Limit
₹18,50,000
Total: ₹25,00,000  ·  Used: ₹6,50,000
💳
Run Payroll
⚡
Request Liquidity
🏢
Pay Vendors
👥
Employees
Active Credit
₹5,00,000
Due in 12 days · 15 April
The Problem

Cash Flow Delays Are Killing Business Growth

MSMEs across India face the same reality—money is owed, but business can't wait.

⏳
Delayed Payments
Receivables locked 30–90 days while obligations pile up daily.
💸
Salaries Can't Wait
Employee salaries are non-negotiable. Delays cause attrition and trust loss.
🏦
Bank Limits Exhausted
OD and CC limits maxed—traditional banking leaves you stranded.
🐢
Slow Loan Approvals
Traditional loans take weeks, heavy paperwork, not built for short-term.
Your business keeps running—but your cash flow doesn't. That ends now.
Our Solution

Meet AQT Flow Line

Smart short-term liquidity designed to keep your business running—backed by NBFC partners and technology.

  • ⚡
    Instant Liquidity (5–30 days)
    Get funds when you need them, not when banks decide.
  • 📄
    Invoice or Cashflow-Backed
    Use your business data—no collateral required.
  • 🔁
    Reusable Credit Line
    Pre-approved limit, ready to draw whenever needed.
  • 🚀
    Fast Processing
    Approval 24–72 hrs. Disbursal within hours.
  • 🔐
    NBFC-Compliant
    Regulated lending. No hidden fees. No surprises.
How Funds Flow
🏢
MSME needs liquidity / runs payroll
Triggers credit evaluation
↓
⚡
AQT Flow activates pre-approved limit
Smart eligibility via our system
↓
🏦
NBFC partner disburses funds
Secure banking API
↓
✅
Employees paid · Vendors settled
Business runs without disruption
Process

How It Works

Four simple steps to access short-term liquidity.

01
📥
Apply
Submit GST number and basic business details. Under 2 minutes.
02
🧠
Get Pre-Approved
Our system evaluates cashflow patterns and assigns an instant Flow Limit.
03
💰
Fast Disbursal
Funds processed through NBFC partner directly into your account.
04
🔁
Repay Flexibly
Repay when your payment arrives. Limit resets and is ready again.
Why AQT Flow

Why Businesses Choose AQT Flow

We don't just fund businesses—we keep them moving forward.

🔒
Secure & Compliant
Fully RBI-aligned. AQT acts as a regulated Loan Service Provider.
🤝
NBFC Partnerships
Capital and compliance managed by regulated NBFC partners.
📊
Smart Risk Engine
Data-driven underwriting based on real cashflow patterns.
🌐
Built for MSMEs
Designed for India's 63M+ MSMEs. Not a generic loan product.
Who We Serve

Designed for Growing Businesses

From manufacturers to event vendors—AQT Flow is built for every business that needs liquidity.

🏭 MSMEs
🎤 Event Vendors
⚙️ Service Businesses
📦 D2C Brands
🔧 Manufacturers
🚚 Supply Chain
💻 Tech Startups
🏗️ Construction Firms
Get Started

Don't Let Cash Flow Stop Your Growth

Get access to instant liquidity with AQT Flow. Takes less than 2 minutes.

✦ Check Eligibility Now Login to Platform
✓ Less than 2 minutes
✓ No obligation
✓ Minimal documentation
Process

How AQT Flow Works

A seamless process connecting your payroll with instant liquidity.

Step by Step

The Full Process

1
📥 Apply in Minutes
Submit your GST number, basic business details, and your liquidity requirement. No lengthy paperwork. Our digital-first process takes less than 2 minutes.
2
🧠 Instant Eligibility Check
Our smart risk engine evaluates your cashflow patterns, GST data, and business stability in real-time. You get a pre-approved Flow Limit within hours—valid for 6–12 months.
3
💰 Fast Disbursal via NBFC
Simply draw from your pre-approved limit. Funds are disbursed via our NBFC partner directly into your account—no re-application, no waiting.
4
🔁 Repay & Reuse
Repay when your receivable arrives—in 5 to 30 days. Once repaid, your limit refreshes automatically.

Ready to Get Your Flow Limit?

Check eligibility in under 2 minutes. No obligation.

✦ Check EligibilityLogin
Use Cases

Built for Real Business Problems

Not generic loans—AQT Flow is designed around how MSMEs actually operate.

💼
Salary Payments
Never delay employee salaries. Keep your team motivated and business reputation intact.
🤝
Vendor Payouts
Pay suppliers on time. Maintain strong vendor relationships and negotiate better terms.
🎤
Event Execution
Fund events upfront while client payments are pending. Deliver without compromise.
📦
Inventory Gap
Bridge the gap between ordering stock and receiving payment from buyers.
🔧
Working Capital
Keep operations running during slow seasons or between large project milestones.
🚚
Supply Chain
Manage supply chain financing gaps without disrupting production or delivery.

Does This Sound Like Your Business?

AQT Flow is built exactly for situations like these.

✦ Check Eligibility Now
About

Building India's MSME Liquidity Infrastructure

AQT Flow is a fintech platform solving short-term liquidity challenges through technology and NBFC partnerships.

Our Story

What We're Building

AQT Flow is India's first payroll-integrated liquidity platform for MSMEs. We ensure companies never delay salaries or vendor payments—even when cash flow is stuck in receivables.

We are not building a loan company. We are building the financial operating system for MSMEs.

63M+
MSMEs in India we target
₹30L Cr
MSME credit gap opportunity
24–72h
Approval & disbursal time
5–30
Day flexible tenure

"If salaries are fixed every month, liquidity should be too."

We embed credit inside payroll—so whenever a company runs payroll and is short, the system automatically provides instant short-term liquidity via NBFC partner.

LSP CompliantNBFC BackedRBI AlignedAPI-DrivenMSME-First

Partner With AQT Flow

Join us in building India's MSME financial infrastructure.

Get in Touch
Contact

Let's Talk

Get in Touch

Whether you're an MSME looking for liquidity or an NBFC interested in partnership, reach out anytime.

📧
📞
Phone
+91 99999 99999
💬

Send a Message

We'll get back within 24 hours.

✅ Thank you! We'll reach out within 24 hours.
Eligibility

Check Your Flow Limit

Takes less than 2 minutes. No obligation.

Who Qualifies

Eligibility Criteria

🏢
Registered Business
GST-registered. Minimum 1 year of operations.
💰
Minimum Turnover
Annual turnover of ₹50 Lakhs or more.
📊
Active Cashflow
Regular salary cycle or vendor payment history.
📱
Bank Account
Active business account with 6+ months history.
✓ No collateral required
Approval based on cashflow analysis, not asset pledging.

Apply for Your Flow Limit

Our team will contact you within 24 hours.

🔒 Your data is secure and never shared without consent.
🎉 Application received! Our team will contact you within 24 hours.
AQT Flow — Pre-approved limits available
Check Eligibility
S
Sharma Textiles
Company Admin
Dashboard
🔔
⚡ Draw Credit
Available Flow Limit
₹18,50,000
Total: ₹25L · Used: ₹6.5L
Wallet Balance
₹3,00,000
Available for payroll
This Month Payroll
₹8,20,000
⚠ Shortfall: ₹5,20,000
Active Credit
₹5,00,000
Due in 12 days
💳
Run Payroll
⚡
Draw Credit
👥
Employees
📋
Transactions
⚠️
Payroll Shortfall Detected
You need ₹5,20,000 more to complete this month's payroll by 30 April
Monthly Cashflow
Apr 2025
Jan
Feb
Mar
Apr
Recv.
Outflow Receivable
Active Credit
Current cycle
Outstanding Amount
₹5,00,000
Due: 15 April 2025 (12 days)
Recent Transactions
View all →
DateDescriptionTypeAmountStatus
2 AprCredit Draw – PayrollCredit+₹5,00,000Active
30 MarMarch Payroll DisbursedPayroll-₹8,20,000Paid
28 MarCredit RepaymentRepayment-₹5,38,000Paid
15 MarCredit Draw – VendorCredit+₹3,00,000Repaid
Total Employees
42
8 new this month
Total Salary Due
₹8,20,000
Due: 30 April 2025
Wallet Balance
₹3,00,000
Shortfall: ₹5,20,000
⚠️
Shortfall of ₹5,20,000 detected
Your wallet balance is insufficient to complete this month's payroll
Employee Payroll – April 2025
EmployeeDepartmentSalaryBankStatus
Rahul SharmaOperations₹25,000SBI ****4521Paid
Aman VermaFinance₹30,000HDFC ****7831Pending
Priya SinghHR₹22,000ICICI ****2211Pending
Ravi KumarTech₹45,000Axis ****9901Pending
Sunita MehtaSales₹28,000SBI ****1122Pending
Deepak PatelLogistics₹32,000HDFC ****8843Pending
+ 36 more employees
Total Flow Limit
₹25,00,000
Valid till Dec 2025
Available
₹18,50,000
Ready to draw
Used
₹6,50,000
Active credit
Repaid This Month
₹5,38,000
✓ On time
Draw Credit
5 days
10 days
15 days
30 days
You Receive₹5,20,000
Processing Fee (1.5%)₹7,800
Due Date15 April 2025
Total Repayment₹5,27,800
Active Credits
₹5,00,000 Active
Due: 15 April 2025 (12 days)
₹1,50,000 Active
Due: 20 April 2025 (17 days)
Credit History
Mar 2025 – ₹5,00,000Repaid
Feb 2025 – ₹3,00,000Repaid
Jan 2025 – ₹4,50,000Repaid
Employee Directory
NameDepartmentSalaryBank AccountJoin DateStatus
Rahul Sharma
EMP001		Operations₹25,000SBI ****4521Jan 2023Active
Aman Verma
EMP002		Finance₹30,000HDFC ****7831Mar 2023Active
Priya Singh
EMP003		HR₹22,000ICICI ****2211Jun 2023Active
Ravi Kumar
EMP004		Tech₹45,000Axis ****9901Aug 2022Active
Sunita Mehta
EMP005		Sales₹28,000SBI ****1122Feb 2024Active
Showing 5 of 42 employees
All Transactions
DateDescriptionTypeAmountTenureStatus
2 Apr 2025Credit Draw – April PayrollCredit+₹5,00,00015 daysActive
2 Apr 2025Credit Draw – Vendor PaymentCredit+₹1,50,00020 daysActive
30 Mar 2025March Payroll Disbursed (42 emp)Payroll-₹8,20,000—Paid
28 Mar 2025Credit Repayment – MarchRepayment-₹5,38,000—Paid
15 Mar 2025Credit Draw – March PayrollCredit+₹5,00,00015 daysRepaid
1 Mar 2025Feb Payroll DisbursedPayroll-₹8,10,000—Paid
Total Credit Used (FY)
₹42,50,000
↑ vs last year
Total Repaid (FY)
₹35,50,000
✓ All on time
AQT Score
820
Excellent repayment track
Monthly Credit Usage
Oct
Nov
Dec
Jan
Feb
Mar
Apr
N
Satin Creditcare
NBFC Admin
NBFC Dashboard
🔔
● Live
Total Disbursed
₹12.4 Cr
FY 2024-25
Active Loans
47
Across 23 companies
Pending Applications
8
Awaiting review
Overdue Alerts
3
Action needed
Disbursement Trend
Last 6 months
Oct
Nov
Dec
Jan
Feb
Mar
Portfolio Health
94.2%
Repayment rate (on time)
On Time70%
Delayed15%
Overdue15%
Recent Applications
View all →
CompanyRequestedRiskStatusAction
Sharma Textiles
₹2.5 Cr turnover		₹25,00,000
Low
Pending
NextHappen Events
₹1.2 Cr turnover		₹10,00,000
Low
Pending
TechCore Solutions
₹80L turnover		₹8,00,000
Medium
In Review
All Applications
CompanyGSTTurnoverRequested LimitRisk ScoreAppliedStatusAction
Sharma Textiles Pvt Ltd22AAAAA0000A1Z5₹2.5 Cr₹25,00,000
Low
1 Apr 2025Pending
NextHappen Events07BBBBB1111B1Z3₹1.2 Cr₹10,00,000
Low
31 Mar 2025Pending
TechCore Solutions19CCCCC2222C1Z7₹80L₹8,00,000
Medium
29 Mar 2025In Review
Kapoor Manufacturing27DDDDD3333D1Z2₹5 Cr₹50,00,000
Low
25 Mar 2025Approved
Sunrise Logistics33EEEEE4444E1Z9₹3.5 Cr₹30,00,000
Low
20 Mar 2025Approved
Quick Retail Co06FFFFF5555F1Z1₹40L₹15,00,000
High
18 Mar 2025Rejected
Total Outstanding
₹3.2 Cr
Across 47 active loans
Due This Week
₹45,50,000
12 loans
Overdue
₹12,00,000
3 loans – Action needed
Active Loan Portfolio
CompanyLoan AmountTenureDisbursed OnDue DateOutstandingStatus
Sharma Textiles₹5,00,00015 days2 Apr17 Apr₹5,07,500Active
NextHappen Events₹8,00,00010 days1 Apr11 Apr₹8,12,000Active
Kapoor Mfg₹20,00,00030 days15 Mar14 Apr₹20,90,000Active
Sunrise Logistics₹6,00,00015 days20 Mar4 Apr₹6,09,000Overdue
Delta Traders₹3,50,0007 days22 Mar29 Mar₹3,55,250Overdue
Collected This Month
₹1.8 Cr
↑ 12% vs last month
Expected This Week
₹45,50,000
12 repayments due
Collection Rate
96.4%
Excellent
Repayment Schedule
CompanyDue DateAmountPrincipalFeesStatus
Sunrise Logistics4 Apr (Overdue)₹6,09,000₹6,00,000₹9,000Overdue
NextHappen Events11 Apr₹8,12,000₹8,00,000₹12,000Due Soon
Sharma Textiles17 Apr₹5,07,500₹5,00,000₹7,500Upcoming
Kapoor Mfg14 Apr₹20,90,000₹20,00,000₹90,000Upcoming
TechBridge Pvt2 Apr₹2,03,000₹2,00,000₹3,000Collected
Mehta Supplies1 Apr₹4,06,000₹4,00,000₹6,000Collected
Total Exposure
₹3.2 Cr
47 active loans
Low Risk
38
81% of portfolio
Medium Risk
6
13% of portfolio
High Risk
3
Action needed
Risk Flags
🚨 Overdue – Sunrise Logistics
₹6,09,000 overdue by 2 days. 2nd consecutive delay.
🚨 Overdue – Delta Traders
₹3,55,250 overdue by 7 days. First time default.
⚠ High Exposure – Kapoor Mfg
₹20L outstanding. Monitor repayment on 14 April.
Risk Distribution
Low Risk81%
Medium Risk13%
High Risk6%
🔑
AQT Admin
Super Admin
Admin Control Room
🔔
Last sync: 2 mins ago
Total MSMEs
127
+8 this month
Total Disbursed
₹15.4 Cr
↑ 23% vs last month
Platform Revenue
₹45.2L
↑ 18% this month
Active NBFCs
3
All active
Platform Activity
Last 6 months
Oct
Nov
Dec
Jan
Feb
Mar
Quick Stats
Pending Applications8
Active Loans47
Overdue Loans3
Today's Disbursals₹24.5L
Today's Collections₹18.2L
Recent Activity Feed
💰
Sharma Textiles drew ₹5,00,000
2 mins ago · via Satin Creditcare
Disbursed
✅
NextHappen Events approved – ₹10L limit
18 mins ago · NBFC: Satin
Approved
🔁
TechBridge Pvt – ₹2.03L repayment received
1 hour ago
Collected
⚠️
Sunrise Logistics – Repayment overdue
2 hours ago · Auto-escalated
Overdue
All Companies
CompanyGSTTurnoverFlow LimitUsedAQT ScoreStatus
Sharma Textiles Pvt Ltd22AAAAA0000A1Z5₹2.5 Cr₹25,00,000₹6,50,000820Active
Kapoor Manufacturing27DDDDD3333D1Z2₹5 Cr₹50,00,000₹20,00,000785Active
NextHappen Events07BBBBB1111B1Z3₹1.2 Cr₹10,00,000₹8,00,000710Active
Sunrise Logistics33EEEEE4444E1Z9₹3.5 Cr₹30,00,000₹6,00,000620Overdue
TechCore Solutions19CCCCC2222C1Z7₹80LPending——In Review
Active NBFC Partners
3
All operational
Total Capital Deployed
₹15.4 Cr
Across all partners
Avg. Disbursement Time
4.2 hrs
↓ Improved
🏦
Satin Creditcare NBFC
Primary Partner · Since Jan 2025
Deployed
₹12.4 Cr
Limit
₹25 Cr
Rate
1.5%/disbursal
Active
🏦
MAS Financial Services
Secondary Partner · Since Mar 2025
Deployed
₹3 Cr
Limit
₹10 Cr
Rate
1.8%/disbursal
Active
All Platform Transactions
DateCompanyNBFCTypeAmountFee EarnedStatus
2 AprSharma TextilesSatinDisbursal₹5,00,000₹7,500Active
1 AprNextHappen EventsSatinDisbursal₹8,00,000₹12,000Active
2 AprTechBridge PvtMAS FinRepayment₹2,03,000₹3,000Collected
1 AprMehta SuppliesSatinRepayment₹4,06,000₹6,000Collected
15 MarKapoor MfgSatinDisbursal₹20,00,000₹90,000Active
Total Revenue (FY)
₹45.2L
Platform + Commission
Commission (NBFC)
₹38.5L
1.5–2% per disbursal
SaaS Revenue
₹6.7L
127 companies × ₹1,999/mo
This Month
₹6.2L
↑ 18% MoM
Revenue Breakdown – Monthly
Oct
Nov
Dec
Jan
Feb
Mar
Commission SaaS
Credit Engine Rules
Eligibility Rules
Min Turnover₹50 Lakhs
Min Operations12 months
Max Limit (MSME)₹50 Lakhs
Min Risk Score600+
Max Tenure30 days
Risk Scoring Weights
Payroll Regularity30%
Repayment History25%
GST Filing20%
Bank Balance15%
Business Age10%
P
Priya Singh
HR Manager
HR Dashboard
🔔
Note: HR access is limited. Credit approval requires Company Admin login.
Total Employees
42
Payroll This Month
₹8,20,000
Pending Approvals
5
Employee Directory
NameDeptSalaryStatus
Rahul SharmaOperations₹25,000Active
Aman VermaFinance₹30,000Active
Priya SinghHR₹22,000Active
Ravi KumarTech₹45,000Active
Prepare Payroll
April 2025 Payroll
Total Employees42
Total Salary₹8,20,000
StatusPending Approval