Confidential Pitch Deck
Secure, asset-backed alternative investments for the modern investor — bridging retail capital and institutional-grade assets.
Presenter Name · 2026 · Confidential
The problem
Traditional savings deliver low yields while public markets stay volatile — leaving everyday investors with no calm middle ground.
Premium commercial real estate and corporate debt are reserved for institutions and UHNIs, out of reach for retail capital.
Investors hesitate to use alternative platforms — fearing fund commingling, fraud, and a lack of transparency.
The GrowwTap solution
Retail and institutional investors get access to high-yield, asset-backed opportunities once locked to the few.
We never hold investor capital in our corporate accounts. Money moves bank-to-bank through regulated escrow.
Short-term fixed-yield invoice discounting and long-term appreciating real estate — balanced in a single dashboard.
Architecture & security
We never touch investor capital. Every rupee moves through regulated escrow, mapped to a unique virtual account, guarded by mandatory KYC and real-time bank verification.
All funds route strictly through a regulated escrow account. GrowwTap is only a facilitator — zero commingling of platform and investor funds.
Every investor gets a unique VAN at onboarding for automated, error-free reconciliation of every rupee.
Mandatory multi-tier KYC & CKYC before any investor can view or participate in an active deal.
Bank accounts are verified via real-time penny-drop checks so payouts always reach the legitimate holder.
The dual-SPV structure
Each asset class runs through a completely separate Special Purpose Vehicle. The under-performance of one can never touch the other — the assets belong to the SPV, protecting investors even if the platform faces operational challenges.
SPV 1
Short-term, fixed-yield capital against verified corporate invoices. Its own books, its own bank accounts.
SPV 2
Long-term appreciating property under SEBI SM REIT frameworks. Independent, ring-fenced, and legally distinct.
Product 1
For investors seeking short-term liquidity, predictable fixed-income yields, and low correlation to the market.
Cycle
30–90
days
Correlation
Low
to public markets
Asset class
Verified, unpaid corporate invoices
Purchased at a discount from blue-chip enterprise receivables.
Workflow · Invoice Discounting
Investor completes KYC/CKYC and penny-drop verification.
GrowwTap assigns a unique VAN to the investor.
Investor funds their VAN, pooling into the RBI-regulated escrow.
SPV buys verified corporate invoices at a discount.
The blue-chip enterprise settles the invoice into escrow.
Principal and yield are reconciled and distributed to investors.
Structure
Trust · LLP · Pvt Ltd
Aligned with SEBI Small & Medium REIT (SM REIT) frameworks.
Yield
Rental
periodic income
Upside
Capital
appreciation
Product 2
Institutional-grade property — commercial spaces, warehouses and luxury holiday homes — made accessible fraction by fraction.
Workflow · Fractional Real Estate
KYC/CKYC and penny-drop compliance completed.
Funds transfer via VAN into the real-estate escrow account.
Once fully funded, the SPV acquires the physical asset.
Investors receive units in the SPV — proportional economic rights.
Tenants pay rent to the SPV; rental yields flow to investors.
On sale, appreciation and principal return via escrow.
Go-to-market
Digital acquisition funnels to reach the first 1,000 active, verified investors.
B2B channels and advisors that bring HNI capital onto the platform.
Tech-savvy millennials, HNIs seeking diversification, and retirees seeking passive income.
Competitive advantage
Seamless UX with automated VAN reconciliation and a bank-grade ledger.
Built inside the lines of SEBI SM REIT and RBI escrow guidelines from day one.
The only place an investor balances 30-day invoice yields and 5-year real-estate equity together.
The ask & use of funds
Seed / Pre-Series A capital — an 18–24 month runway to reach our Series A milestones.
Investor dashboard, VAN & escrow APIs, penny-drop, bank-grade reconciliation.
Dual-SPV structuring, SEBI SM REIT compliance, trust deeds & LLP agreements.
Performance marketing for retail; partnerships for HNI capital.
Risk & compliance, real-estate acquisitions, enterprise sales.
Revenue model
The SPVs hold the assets; GrowwTap, the parent, earns a clear facilitation fee on every deal.
Keep the ~2.5% spread between the vendor discount rate (e.g. 14% p.a.) and the investor yield (e.g. 11.5% p.a.).
A flat 1%–1.5% charged to the vendor for instant liquidity.
1%–2% of asset value annually for managing property, tenants and payouts.
One-time 2%–3% on total property value at successful SPV funding.
10%–20% of the upside when the property is eventually sold at a gain.
3-year projections & milestones
| Metric | Year 1Inception & launch | Year 2Growth & scale | Year 3Market leadership |
|---|---|---|---|
| Active investors | 2,500 | 12,000 | 35,000 |
| Invoice SPV volume (annual) | ₹50 Cr | ₹200 Cr | ₹600 Cr |
| Real-estate SPV AUM | ₹25 Cr | ₹100 Cr | ₹350 Cr |
| Total platform revenue | ₹1.5–2 Cr | ₹8–10 Cr | ₹25–35 Cr |
Year 1
Escrow tech live · first real-estate SPV funded
Year 2
Break-even on operational costs
Year 3
Expansion into warehouse & industrial assets
Illustrative planning figures — to be refined against the final business plan.