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
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.
*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 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 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 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
SMART MONTHLY SIP
₹40,000
20% of profit
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.
Your business and your wealth, finally working together.
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
SMART MONTHLY SIP
₹40,000
20% of profit
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
*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