121 Finance Private Limited is an India-based digital NBFC-Factor focused on improving access to working capital for micro, small and medium enterprises (MSMEs). The company helps businesses bridge the gap between completing B2B transactions and receiving payment, converting receivables and trade activity into funds for ongoing operations. Its services include factoring, receivables finance, purchase invoice finance and trade credit finance, designed for manufacturers, service providers, distributors and other MSMEs involved in business-to-business trade.

121 Finance also offers GeM Sahay, an embedded finance solution connected to the government procurement ecosystem, helping MSMEs access capital for opportunities on the Government e-Marketplace. The company says it uses proprietary technology and India’s digital public infrastructure to support working capital disbursal across B2B transactions. Financing may be processed quickly once required documents are collected, according to its website. With a stated presence across India, 121 Finance aims to make trade credit more accessible and align financing with the working capital needs of underserved and manpower-intensive businesses.