BUILT FOR · BUSINESS OWNERS
Your business funds itself.
Now fund yourself.
Working capital cycles, GST quarters, festival inventory, your wealth deserves better.
Personal investing that bends with quarterly business cycles, and a credit line that doesn't ask for a balance sheet.
9.99% p.a.*
vs 14-18% SME
~15% p.a.*
Surplus cash
Zero
Balance sheets
4 min
To get cash
*T&C apply
We Get It
Running a business is one job. Building personal wealth shouldn't be another.
You're great at running your business. The wealth-building part keeps getting pushed to “next quarter.” We've heard this story.
"₹40L sitting in current account at 4%."
That's bleeding ₹4-5L/year to inflation.
"Festival inventory needs ₹10L. Bank wants 6 weeks."
Borrow against your portfolio. Done in minutes.
"GST + advance tax breaks the FD every quarter."
There's a smarter way. We promise.
"Personal investing keeps getting deprioritized."
Until your business sells. Then it's too late.
*Based on 5-year historical returns. Past performance is not indicative of future results.
*T&C apply
SME Banking vs Reality
The way banks treat business owners. And how it should work.
THE SME GAUNTLET
How banks treat you
Working capital loan @ 14-18%
Plus processing fee + collateral + 6 weeks.
3 years of ITR + GST + financials
An entire CA team's worth of paperwork.
Personal SIP feels secondary
Business cash flow always comes first. Always.
Surplus cash idle at 3-4%
₹50L doing nothing. Inflation eating it.
Break FDs quarterly for tax
Penalty + lost interest, every quarter, forever.
BLINKMONEY
How it should work
Access instant cash @ 9.99% p.a.*
Half of an SME loan without selling a single unit.
Just PAN + Aadhaar
Your portfolio is the qualifier, not your books.
Personal SIP runs in background
From ₹100/day. Your wealth grows on autopilot.
Surplus cash → ~15% p.a.* historical returns
Stocks + FD + Gold. Borrow it back instantly anytime.
Tax payments via credit line
Pledge portfolio. Pay tax. Compound through it.
*T&C apply
The Fit
4 ways it works for business owners
FOR INVENTORY CYCLES
Working capital, on-demand
Festival ahead, ₹15L inventory needed? Pledge against your personal portfolio at 9.99% p.a.*. Stock up. Sell. Repay from cash flow. Zero balance sheets, zero waiting.
Up to 50% of portfolio
FOR TAX QUARTERS
GST + advance tax, sorted
Quarterly tax payments shouldn't break compound interest. Borrow at 9.99% p.a.* to cover the bill. Investments keep earning ~15% p.a.* through the year.
9.99% p.a.* vs 14-18% p.a. loan
FOR SURPLUS CASH
Idle business cash → personal wealth
Got ₹30L sitting at 3-4% in a current account? Move what you don't need to BlinkMoney. Earn ~15% p.a.*. Pull it back instantly against your investments, if business needs it, without losing on a single unit.
Liquid + earning
FOR YOUR FUTURE
Stop deprioritizing yourself
Daily auto-invest in personal name. ₹500/day = ₹15K/month. Compounds while you run the business. Your retirement isn't your business's job, it's yours.
From ₹500/day
*T&C apply
The Business Year
Every quarter has a different crunch
Tap each quarter to see how BlinkMoney handles it — without breaking your personal portfolio.
Q1 · APR-JUN
The crunch
Advance tax + GST returns.
BlinkMoney's move
Pledge portfolio at 9.99% p.a.*. Pay the bill. Investments keep compounding.
*T&C apply
Run The Numbers
Your business profit, redirected.
Avg monthly business profit
₹2.0 L
₹50K
₹20L
Working capital reserve (days)
60 days
30 days
120 days
Monthly auto-invest
₹40.0 K
Daily auto-invest
₹1,333/day
IN 5 YEARS
₹36.2 L
Personal portfolio at ~15% p.a.* blended. Plus a credit line of ₹2.4 L available year 1 for working capital, tax, or anything else.
Your business and your wealth, finally working together.
*T&C apply
Real Business Owners
Owners who stopped funding their business with their future
Mahesh G.
Garment Wholesale · 12 yrs · Surat
“Festival inventory used to cost me sleep. Now I pledge my BlinkMoney portfolio at 9.99% in minutes — vs the 17% my bank charges. I stocked twice as much last Diwali. Margins held.”
Flexible
Priya N.
D2C Brand · 6 yrs · Bengaluru
“₹35L was sitting in my company account earning 4%. Moved ₹20L to BlinkMoney. Earning ~15% now. When I needed ₹8L for ad spend last month, I borrowed it back at 9.99%. Best decision.”
Emergency fund
Arvind K.
Restaurant Owner · 8 yrs · Mumbai
“GST quarter used to mean breaking the FD. Now I just pledge my portfolio. ₹2.5L, 9.99%, paid back in 3 months from cash flow. The ₹8K I used to lose every quarter? Now compounding.”
Better than banks
Mahesh G.
Garment Wholesale · 12 yrs · Surat
“Festival inventory used to cost me sleep. Now I pledge my BlinkMoney portfolio at 9.99% in minutes — vs the 17% my bank charges. I stocked twice as much last Diwali. Margins held.”
Flexible
Priya N.
D2C Brand · 6 yrs · Bengaluru
“₹35L was sitting in my company account earning 4%. Moved ₹20L to BlinkMoney. Earning ~15% now. When I needed ₹8L for ad spend last month, I borrowed it back at 9.99%. Best decision.”
Emergency fund
Arvind K.
Restaurant Owner · 8 yrs · Mumbai
“GST quarter used to mean breaking the FD. Now I just pledge my portfolio. ₹2.5L, 9.99%, paid back in 3 months from cash flow. The ₹8K I used to lose every quarter? Now compounding.”
Better than banks
Mahesh G.
Garment Wholesale · 12 yrs · Surat
“Festival inventory used to cost me sleep. Now I pledge my BlinkMoney portfolio at 9.99% in minutes — vs the 17% my bank charges. I stocked twice as much last Diwali. Margins held.”
Flexible
Priya N.
D2C Brand · 6 yrs · Bengaluru
“₹35L was sitting in my company account earning 4%. Moved ₹20L to BlinkMoney. Earning ~15% now. When I needed ₹8L for ad spend last month, I borrowed it back at 9.99%. Best decision.”
Emergency fund
Arvind K.
Restaurant Owner · 8 yrs · Mumbai
“GST quarter used to mean breaking the FD. Now I just pledge my portfolio. ₹2.5L, 9.99%, paid back in 3 months from cash flow. The ₹8K I used to lose every quarter? Now compounding.”
Better than banks
*T&C apply
Your Questions
The stuff your CA might not have mentioned
Yes. BlinkMoney is in your personal name with personal PAN/Aadhaar. Move surplus from your business current account whenever it makes sense — invested under you, taxed under you, withdrawable by you. Clean books, clean separation.
LAMF (Loan Against Mutual Funds) uses your portfolio as security — no income proof, no balance sheet, no collateral hunt. Rate is 9.99% p.a.* vs 14-18% for an SME loan. Approval in minutes, not 6 weeks. Your investments keep compounding while you borrow.
Idle cash at 3-4% in a current account is silently losing to inflation every year. Move what you don't need for 6+ months to BlinkMoney. Earn ~15% p.a.* historically. Pull it back instantly against your portfolio if business needs it — without selling a single unit.
Pledge your portfolio to cover advance tax, GST, or year-end payments at 9.99% p.a.*. Repay across the next quarter from cash flow. You don't break a single FD or sell investments — the compounding stays uninterrupted.
Yes — that's the whole point. Drop a lump-sum during a peak month, run daily auto-invest in the background, and borrow against the portfolio whenever the business has a slow month. Liquid + earning + collateral, all at once.
Borrowing is optional and you control the limit. Investments are SEBI-regulated, diversified across Stocks + FD + Gold, and fully liquid. If business pressures spike, withdraw — no penalty, no lock-in. The personal portfolio acts as a safety net, not another liability.
Still have questions? Just poke our Team
*T&C apply
OWNERS · NEXT MOVE
You built the business. Now build the wealth.
Stop deprioritising yourself. Personal SIPs that bend with quarterly cycles. Working capital at 9.99% p.a.* without breaking your investments. A wealth system as serious as your business.
*T&C apply