Finance · Capital

Working Capital & BNPL

Credit scored on your daily POS revenue — better data than any bank. Auto-repaid from sales. BNPL for vendor orders underwritten by FoodOS.

FoodOS USP · Revenue stream

Working capital · pre-approved

Available to draw

14.2% APR

₹420K

Auto-repaid from daily POS · 18% of daily settlement

Underwriting basis184 days POS revenue

Avg daily settlement₹48,000

Tenure120 days

Total interest₹19,500

BNPL for vendor orders

7-day terms

₹799K

Outstanding BNPL · across 5 vendors

Mumbai Mandi Co.

Due in 4 days

₹184,000

Sahyadri Dairy

Due in 5 days

₹92,000

Western Poultry

Due in 2 days

₹268,000

Konkan Spices

Due in 6 days

₹41,000

Daily Bread Mills

Due in 3 days

₹132,000

FoodOS underwrites credit risk · Vendors get paid on time

Active borrowers

1,284

Disbursed YTD

₹840M

Default rate

0.4%

NIM

11.2%

Why this is unmissable

Banks underwrite restaurants on bank statements that lag 30 days. FoodOS sees POS revenue per minute. Default rate on this loan book is <0.5% — order of magnitude lower than industry. Auto-repay from daily settlement means restaurants never miss a payment. Margin: 11.2% NIM.