How it works

From trip created
to cash in 4 steps.

No paperwork mountain. No tea-and-biscuit branch visits. Every step is digital, verified against real freight data, and visible on one dashboard.

The cast

Three roles. One flow.

Actor 01

Load provider

Posts the trip. Pays the invoice at net terms.

Actor 02

Vehicle provider

Moves the freight. Uploads the invoice. Gets paid.

Actor 03

Lender

Funds the invoice. Earns return on tenor.

STEP / 01

Trip is created
& verified.

A load provider posts a shipment. They pick a vehicle from LogiFin's vetted carrier network or assign one of their regular fleet partners. The system pulls e-way bill, GST, and GPS data the moment the trip is acknowledged.

  • ~5m Trip posted & vehicle assigned
  • Auto E-way bill & FASTag verification
  • Live GPS handshake with carrier
logifin.in/trips/new ●●●
New trip
Mumbai → Hyderabad
Verified
Distance
711 km
ETA
2d 4h
Vehicle
MH-12 KK 4421
Carrier
Pawar Roadlines
E-way bill 481032187 verified · FASTag active
Invoice review
INV-2026-04812
₹5,35,000
Shipper credit rating A+ (94/100)
Past payment history 38 invoices · 0 defaults
Concentration check Pass
Approved advance ₹4,82,000 · 90%
STEP / 02

Invoice uploaded.

As soon as goods are delivered, the vehicle provider uploads the invoice through the app or web dashboard. LogiFin checks the shipper's credit, the carrier's history, and concentration risk across the lender pool.

  • ~15m Underwriting decisioning
  • Auto GST & bank statement pull
  • Live Pool concentration check
STEP / 03

Lender funds
the invoice.

The approved invoice is matched to a lender or pool. Funds move via IMPS/RTGS directly into the vehicle provider's verified bank account. The lender receives an asset assignment with the invoice, e-way bill, and proof of delivery attached.

  • 24–48h First-time disbursal
  • <4h Repeat shipper disbursal
  • Live Settlement notifications
Disbursal
TXN-9871423
Settled
₹4.82L
IMPS · HDFC ••3421 · 14:22:38 IST
Lender
NorthEdge Cap
Tenor
38 days
Rate
11.4% p.a.
Maturity ledger
06 Jun 2026
Closed
Bharat Cement → LogiFin escrow ₹5,35,000
Escrow → NorthEdge (principal) ₹4,82,000
Escrow → NorthEdge (return) +₹19,082
Escrow → Pawar Roadlines (residual) ₹33,918
Cycle complete 38 days · 0 disputes
STEP / 04

Shipper settles,
everyone earns.

On the due date, the load provider pays the full invoice into a LogiFin-managed escrow. Funds are automatically split — principal and return to the lender, residual to the vehicle provider, fee retained.

  • Auto Tri-party settlement via escrow
  • Live Real-time accounting entries
  • 0.41% Net default rate to date
Risk & underwriting

How we keep
the defaults low.

Layer 01

Counterparty data

GSTN, MCA filings, bank statements, prior LogiFin track record.

Layer 02

Transaction proof

E-way bill, FASTag pings, GPS handshake, POD photographs.

Layer 03

Pool diversification

Limits per shipper, per state, per industry — never more than 4% on any one name.

Layer 04

Loss buffer

Pool-level FLDG and arbitration partnerships keep individual exposure low.

Ready to see it in action?

Book a 15-minute walkthrough, or start onboarding straight away — both routes get you live this week.

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