Statistical models bring objectivity & scalability

AP Factors personalizes MSMEs' product offerings to satisfy customers using machine learning techniques and data analytics

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Factoring is especially important in situations involving small-ticket loans, which MSMEs prefer for a quick infusion of cash. Arth Padarth Factors & Finance (AP Factors) is the 7th factoring NBFC in India, which addresses the large MSME segment through factoring of high-quality corporate receivables. Its portfolio includes vendor finance, dealer finance, receivable factoring and MSME finance. AP Factors is the NBFC factoring arm of Artfine Group, which is a specialist structuring firm.

TCA Arvind Rangarajan is a Co-founder of AP Factors. He spent over 9 years in Standard Chartered Bank, Barclays Bank, Deutsche bank and World Bank.

VALUE IN INVOICES UP 1000%

AP Factors positions supply chain financing as an asset class for capital markets alongside commercial vehicle (CV) pools and microfinance. The invoice discounting facility at AP Factors includes both anchorled and vendor-led financing programs. As an NBFC factor, the company purchases receivables from MSMEs, so this does not appear as debt in their books. AP Factors began operations in February 2022.