LVX Debt: Rethinking Non-Dilutive Capital for Startups

The last couple of years have been tough for the startup ecosystem. At LVX, we’ve always believed that while there needs to be an integrated solution across equity and debt, the two categories are fundamentally different. They require different evaluation criteria, skillsets, and mindsets.

As a founder, I strongly believe that founders should focus on building businesses and meeting customers, not getting caught up in the complexities of capital. That’s why we built LVX Debt—to give founders transparent, reliable, and founder-first access to non-dilutive capital.

The Momentum So Far

The traction has surprised even us. We’ve already disbursed ₹10+ Cr in non-dilutive capital and are scaling rapidly. Despite multiple players in the market, the space still lacks transparency and structured support for founders.

But while demand is strong, one challenge persists—many founders don’t yet fully understand how to plan debt so it creates long-term value. Rejections remain high because we follow stringent credit criteria, and that’s for a reason: debt, when misused, can erode the very IP and enterprise value you’ve built.

Key Insights for Founders

1. Plan your runway better
Too often, founders approach us when they have only 2–3 months of runway left. The ideal time is when you still have 8–9 months of runway. Taking debt under runway pressure is the riskiest move—it could compromise your business and IP if you default.

2. Build financial discipline
Delayed vendor payments, poor CIBIL scores, or even being a day late impacts your profile. It raises borrowing costs and reduces flexibility. Make sure your CFO monitors credit health continuously.

3. Don’t over-leverage
Cycling one debt to pay off another is poor planning. Over-leverage will catch up sooner than you expect, and lenders will spot it quickly.

Why LVX Debt Exists

Founders often struggle with the same dilemma: how do I fuel growth without diluting equity? Traditional lenders underserve startups, while equity investors demand dilution, control, and long timelines. LVX Debt bridges this gap with a tech-enabled platform that offers debt solutions designed for startups—across stages, sectors, and use cases.

Our mission is simple: empower founders with the right capital at the right time, without friction.

What LVX Debt Offers

We provide a suite of flexible debt instruments, customized to your growth stage and business model:

• Revenue-Based Financing – Capital linked to your revenue projections, designed for fast-scaling companies.
• Working Capital – Short-term funding to power daily operations and expansion.
• Line of Credit – Flexible capital you can draw down as needed.
• Invoice Discounting – Unlock liquidity by leveraging receivables.
• Asset Financing – Use existing assets as collateral to fund growth.

Ticket Size: ₹25 lakhs – ₹2 crores (depending on business profile).

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Who is Eligible?

We work with private limited companies that have:

• Crossed the early stage and started generating revenue.
• A track record of financial discipline.
• Clear growth plans for expansion, product launches, or market strengthening.

We support startups across maturity curves—whether you’re an early disruptor or a scaling enterprise.

Why Founders Choose LVX Debt

1. Preserve Equity – Retain control and decision-making while raising capital.
2. Flexible Repayment – Tailored repayment structures aligned to your cash flow.
3. Speed – A streamlined process with 48-hour yes/no turnaround.
4. Credibility & Partnerships – Backed by strategic tie-ups with Bajaj Finance, Indifi, InCred, Recur Club, Aditya Birla Capital, U GRO Capital, and more.
5. Transparency – Stringent but clear evaluation criteria, ensuring debt is sustainable—not destructive.

Our Commitment

We’re building playbooks to help founders and CFOs navigate debt smartly, and to hold teams accountable for financial discipline. Our goal is not just to deploy capital, but to solve the fundraising challenge the right way.

At LVX, our vision remains unchanged: making fundraising simple and founder-first—across equity and debt.

If you’re exploring debt for your startup, reach out to Pramod Lamba or email at debt@lvxventures.com  

We’re here to help you scale without dilution.

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