Digital Lending.
ZERO Tech CapEx. ZERO TECH FRICTION.

Deploy institutional liquidity directly into active supply chains without upfront software licensing, ongoing maintenance costs, or in-house engineering overhead.

Redtab connects straight into your Core Banking System (CBS)—delivering turnkey digital lending and priority-sector assets with programmatic balance sheet protection.

Partner with us (for BFIs)

Rs.

No vendor license fees or AMC.

Days

To connect to your CBS APIs

FLDG to protect your defaults

A vertical photograph capturing a Redtab™ automated material handling solution, featuring a high-speed inclined roller conveyor and a moving tote with distinct motion blur to convey high-throughput logistics. The multi-level facility shows integrated mezzanine structures, stainless steel supports, and energy-efficient LED lighting, emphasizing a modern, technology-driven fulfillment operation.

The core Logic

The Collateral Mismatch

The Legacy Rule: Commercial banks demand fixed real estate deeds to secure everyday operational credit lines.

The Mismatch: Tying a permanent, illiquid asset like land to a fast-moving, 30-day inventory cycle is an operational absurdity.

The Friction: Capital remains locked up in slow legal charting and property evaluations while active daily trade chokes on cash-flow constraints.

The Cash-Flow Architecture

The Switch: We replace static physical land collateral with live transaction data.

The Tracking: Redtab reads inventory orders, sales frequency, and repayment data right at checkout.

The Result: We don’t ask what a business owns—we look at what they sell. This turns everyday informal trade into safe, short-term assets for commercial banks.

HOW the Ecosystem is built.

redtab ultra wide industrial pipeline system with glass joints

The Transaction Layer (Wallet + E-Commerce)

What it does: Integrates directly into supply chain checkouts.

How it works: Automatically converts standard commercial invoices into credit requests the exact millisecond a merchant buys inventory.

The Risk Engine (Redtab Core)

What it does: Handles automated compliance, KYB validation, and credit scoring.

How it works: Reads live invoice data and cross-references national records to package informal trade history into transparent, bank-ready assets.

The Vault Layer (Partner BFIs)

What it does: Manages secure fund deployment directly from regulated bank vaults.

How it works: Automatically pays the supplier, opens the loan ledger inside the Core Banking System (CBS), and protects the capital with an active FLDG escrow.

THE ASSET LIFECYCLE PIPELINE

01

Dynamic Limit Allocation

Redtab programmatically onboards the merchant network, validating commercial identity and establishing an automated trade credit limit based on historical transaction velocity.

Ultra-wide photorealistic view of a long, dark metal modular track embedded in a dark concrete wall, featuring an array of network ports, power outlets, blank modules, and a continuous glowing white LED light strip.

02

Closed-Loop Procurement

The pre-verified merchant places an inventory order on an integrated B2B marketplace. The bank vault executes an immediate, direct-to-supplier payout—completely eliminating capital diversion.

advanced customizable data rail network, usb, and power modules

03

Automated Installments

Instead of standard long-term debt cycles, the merchant clears the balance through automated daily micro-installments tied natively to their ongoing trade revenues.

architectural minimalist data track with integrated linear led | design & space optimization

04

Escrow Reconciliation

Cleared payments settle directly back into the partner BFI ledger. In the event of a systemic market delinquency, the active FLDG escrow pool programmatically covers the asset variance to protect bank capital.

flexible office power distribution & data rail | streamlined workspace productivity

RISK ENGINEERING

We do not pretend defaults don’t happen. We plan for market volatility and build the system to absorb it structurally.

10% Blended Margin Shield
Serves as the primary financial cushion to swallow unexpected credit losses.

5% FLDG Escrow Cap
Caps our technology network’s liability while keeping bank funds insulated from unhedged NPA exposure.

Automatic Circuit Breakers
Instantly freezes open credit lines and stops stock shipments at the warehouse if a delay occurs.

For B2B Supply Chain & Enterprises

Eliminate outstanding receivables and unblock your supply chain liquidity. Turn your merchant invoices into immediate capital without waiting for standard 60- or 90-day cash cycles. Keep your distributors stocked, optimize inventory rotation, and scale your sales volume backed by institutional bank financing.

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What Our Customers Say

Redtab has made a huge difference for my grocery store. I no longer worry about cash flow issues. It’s incredibly easy to use!

Anil Sharma

Thanks to Redtab, my café runs smoothly! The delivery is punctual, and I love the flexibility in payments. Highly recommended!

Pooja Rai

Recent Partnerships and Success Stories

Female shop keeper paying redtab the daily payment

Digital Lending.ZERO Tech CapEx. ZERO TECH FRICTION.