Confidential Pitch Deck
A private, compliant platform where a closed circle of verified investors owns asset-backed deals — every deal ring-fenced in its own SPV, every rupee settled through bank-operated escrow.
Naveen · 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.
Indicative industry estimates — for scale of opportunity, not offer figures.
The GrowwTap solution
Institutional-grade deals, curated for a private circle of verified members — not the open market.
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.
Private by design
Deals are never public offers. Access, documents, and participation live inside a private, invite-led circle — protecting members and keeping the platform firmly compliant.
A limited, private group of investors per deal — access is granted, never advertised. No public offers, ever.
Full deal details, documents, and participation unlock only after identity and bank verification.
Financials and documents are visible to verified members only. Public pages carry teasers, never offers.
Private-placement discipline on every deal: capped participant counts and e-signed documentation throughout.
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 multi-SPV architecture
Every deal on GrowwTap is housed in its own Special Purpose Vehicle with its own books and bank accounts. The under-performance of one deal can never touch another — the assets belong to each SPV, protecting investors even if the platform itself faces challenges.
Product family 1
A fleet of short-cycle SPVs deploying fixed-yield capital against verified corporate invoices. Each with its own books and bank accounts.
Product family 2
One SPV per property, under SEBI SM REIT-aligned frameworks. Long-term appreciation — independent, ring-fenced, legally distinct.
Deal structures
Every deal declares its structure before members participate — timelines, fees, and exactly how realized income or sale proceeds settle through the escrow.
Single settlement
Recurring distributions
Income now, settlement later
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.
Portfolio
₹ ••,••,•••
Active deals · income & flip
Illustrative preview
The product vision
The investor experience is designed end-to-end — deal rooms, verified payments, and a full audit trail in a native-feel app for mobile and web, with the Play Store and App Store to follow. Your funding builds it.
Portfolio, activity, and what needs attention
Browse open deals and track the ones you joined
Verified bank accounts and whitelist status
Every contribution, distribution, and settlement
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.
A closed, KYC-verified user group keeps every offer private — protection competitors chasing public volume can't copy.
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
Warehouse & industrial assets · NBFC groundwork
Illustrative planning figures — to be refined against the final business plan.
The evolution
The Dual-SPV structure captures the alternative investment market today. The next growth phase transitions GrowwTap into a comprehensive digital lending and banking powerhouse.
Step 1
Establish our own lending capabilities — originate loans, control underwriting, unlock co-lending.
Step 2
Expand yield products for our investor base while solving the credit gap for small businesses.
Step 3
The ultimate vision: a fully licensed Digital Bank on a Small Finance Bank (SFB) model.
Phase 1 · Expansion
Operating our own Non-Banking Financial Company lets us originate loans, control underwriting, and engage in lucrative co-lending partnerships.
Leverage our pool of tech-savvy millennials and HNIs already seeking diversification on the platform.
Investors allocate capital to fractional consumer and business loans — short-term, high-velocity deployment beyond invoice discounting.
Maintaining our "Regulatory First" moat by securing RBI approval for NBFC-P2P operations.
Phase 2 · Expansion
MSMEs face a massive credit deficit — traditional banking is too slow and unorganized lending too expensive. Transactional data and vendor relationships from our Invoice Discounting SPV let us assess MSME financial health accurately.
Invoice-flow data gives us a live view of MSME cash health that traditional bureaus can't match.
Processing fees from MSMEs plus interest-rate spreads — mirroring the lucrative arbitrage model of our invoice discounting business.
The ultimate vision
Evolving from a pure facilitation platform on third-party escrow and VANs into a deposit-taking institution on the Small Finance Bank (SFB) model.
Access to CASA (Current & Savings Account) deposits lets us lend at highly competitive rates.
Savings accounts, fixed deposits, credit cards, and wealth management on a single unified dashboard.
Upgrading from SEBI/SPV compliance to full banking regulatory standards — maximum trust for retail and UHNIs.
The long-term vision
Years 1–2
Lead in invoices & real estate; break even on operational costs.
Year 3
Finalize NBFC acquisition; launch the P2P and MSME lending divisions.
Year 4
Grow lending and establish co-lending partnerships with major financial institutions.
Year 5+
Apply for Small Finance Bank (SFB) licensing to become a full-scale Digital Bank.
From alternative investments to a full-scale Digital Bank — one platform, one set of trust rails, compounding at every step.
Confidential — for the intended recipient only. Figures are illustrative planning numbers.