Glaas Information

GLAAS is a first-of-its-kind embedded credit infrastructure that lets digital ecosystems offer real-time working capital to MSMEs. Established in 2021, GLAAS is Gromor Finance's dedicated focus on MSME lending, built on API-led integrations and Gromor's own NBFC balance sheet. For platforms across e-commerce, payments, agri-tech, and supply chains, GLAAS makes it possible to offer merchants working capital directly inside the platform, under the platform's own brand, across 25+ configurable credit products and structures. For banks and NBFCs, it opens direct access to MSME borrowers already transacting on these platforms, backed by real-time underwriting on platform data and full lifecycle management from disbursement through collections. GLAAS is operated by Gromor Finance, an RBI-licensed NBFC, so platforms and lenders don't need a license or balance sheet of their own to get started. To date, GLAAS has disbursed ₹1,500 Cr+ to more than 13,000 MSMEs across 110,000+ loans, with a high repeat loan rate.