We built our own
way
to judge who
deserves a loan.
GRO Score is our patented technology that looks at how a business actually runs, not just its paperwork.
Most lenders ask for years of audited financial statements most small businesses don't have. GRO Score instead looks at real signals, GST filings, bank transactions, repayment history, and turns them into a decision in minutes, not weeks. It's been granted an Indian patent, and we're now on its third version.
We look at how your business actually runs.
Instead of asking for years of audited accounts, GRO Score reads the data your business already generates, GST filings, bank transactions, repayment history, and turns it into a decision in minutes.
See what a business like yours could get.
Businesses like yours typically get a decision in and sanctions of .
This is an illustrative estimate, not a loan offer or credit decision.
Get your actual GRO Score, apply nowPatented in India. Now on its third version, GRO Score 3.0.
How it works, in more detail
GRO Score combines more than 25,000 data features drawn from GST returns, banking behaviour, bureau signals and 180+ sub-sector benchmarks into a single underwriting decision. The model was granted an Indian patent on 11 December 2024, "Method and System for Modelling Credit Scorecards", and is now in its third generation (GRO Score 3.0), having evolved since its 2022 launch.
Each applicant is scored on a 900-point scale that weights cash-flow consistency, sector-relative performance and repayment behaviour, producing a decision and indicative sanction in minutes rather than the weeks a traditional underwriting pass would require.
Questions people usually ask us.
What services or products do you offer?
We offer small business loans in a few specific forms, Loan Against Property, Machinery Loans, and small-ticket business loans through GROx, each built around how a particular kind of MSME actually operates, not a single one-size-fits-all product.
How can I contact your customer support team?
You can reach us by calling our Customer Care Helpline at 1800-202-8476, or visit any of our branches for assistance.
Where are you located?
UGRO Capital is headquartered in Kurla, Mumbai, Maharashtra, with 300+ branches across 17 states. Use our branch locator to find the UGRO Capital branch nearest to you.
What are your hours of operation?
Our team is available Monday to Friday, 9:30 AM to 6 PM.
Why choose an NBFC over a traditional bank for an MSME loan?
Traditional banks typically ask small businesses for three years of audited financials, collateral, and a long credit history, requirements many otherwise-healthy MSMEs can't meet. NBFCs like UGRO judge a business by what it actually does: its GST filings, bank transactions, and day-to-day cash flow. That usually means faster decisions and financing, such as Loan Against Property or Machinery Loans, built around how the business runs, not just its paperwork.