3ES
3ES, operated by Visolent India Private Limited, is an RBI-registered NBFC operating a digital lending platform that offers GST-invoice-based working capital loans, credit analytics, trade credit insurance, and market exploration services to Indian MSMEs.
- Company typePrivate
- Founded-
- HeadquartersThane, India
- Headcount—
- GTM typeB2B
- OfferingServices
What 3ES does
3ES, operated by Visolent India Private Limited, is a Reserve Bank of India (RBI) registered Non-Banking Financial Company (NBFC) headquartered in Thane, Maharashtra. The company runs a digital lending and receivables financing platform serving micro, small, and medium enterprises (MSMEs) across India, with an underwriting model anchored on GST invoice data rather than traditional collateral or physical asset security. This structure is designed to extend working-capital access to a borrower segment that is structurally underserved by traditional bank credit channels.
The platform offers four primary solutions: (1) unsecured working capital loans underwritten via GST invoicing; (2) Quick Decision Reports (QDR), credit-analytics outputs that consolidate borrower risk profiles from publicly available and curated sources; (3) trade credit insurance that mitigates buyer-default exposure; and (4) market exploration services that assist MSMEs in identifying growth and distribution opportunities. Delivery is product-led and self-serve via a digital interface, with a mobile application reportedly under development. Underwriting uses GST invoice data flows as the primary credit signal, reducing dependence on collateral and enabling friction-light, automated-style origination.
3ES generates revenue through interest income on its NBFC loan book, fee-based monetization of QDR and market exploration services, and premiums or commissions on trade credit insurance. The company pursues an ecosystem model, partnering with banks, credit rating agencies, factoring companies, and other lending institutions to broaden distribution and risk-sharing capacity without bearing full credit exposure on every transaction. This combination of balance-sheet lending, fee-based analytics, and partner-led distribution positions 3ES as a vertically integrated MSME credit and risk-services platform rather than a pure-play lender.
3ES firmographics
Firmographics- Name
- 3ES
- Legal name
- Visolent India Private Limited
- Website
- https://3es.co.in
- Company type
- Private
- Operating status
- Operating
- Short description
- 3ES, operated by Visolent India Private Limited, is an RBI-registered NBFC operating a digital lending platform that offers GST-invoice-based working capital loans, credit analytics, trade credit insurance, and market exploration services to Indian MSMEs.
- Ownership category
- akta.pro rank
Where 3ES is headquartered
LocationHeadquarters
- HQ city
- Thane
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
3ES business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Working Capital Loan Interest: Interest earned on unsecured working capital loans provided through own NBFC and partner institutions. Loans are offered as receivables financing where GST invoices drawn on pre-approved debtors are submitted for financing. Invoices up to 90 days credit period can be financed.
- Quick Decision Reports (QDR): Credit and business analytics reports available on pay-per-use and subscription basis. Reports provide wealth of information at nominal cost with subscription model available.
- Trade Credit Insurance: Insurance premiums for covering business receivables against default risk of significant-value customers.
- Market Exploration Platform Fees: Platform services for showcasing business capabilities to prospective customers across geographies, facilitating purchase order finance and post-shipment financing opportunities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Unsecured Working Capital Loans |
| Unit Pricing | Pay-as-you-go | Quick Decision Reports - Pay-per-use |
| Subscription | Monthly | Quick Decision Reports - Subscription |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
3ES product offering
Product offeringCore offering
3ES is a digitalized delivery platform of Visolent India Private Limited (an RBI-licensed NBFC) offering three integrated solutions for MSMEs: (1) Unsecured Working Capital Loans delivered through its own NBFC and partner institutions as receivables financing via GST invoices, with credit facilities available within 48 hours and funds credited within minutes; (2) Risk Mitigation Tools including Quick Decision Reports (credit and financial analytics) and Trade Credit Insurance; and (3) Market Exploration services enabling MSMEs to showcase capabilities to prospective buyers across India and overseas.
Product overview
3ES is a digitalized delivery platform of Visolent India Private Limited (a non-deposit taking NBFC licensed by RBI), offering three integrated solutions for Micro, Small and Medium Enterprises (MSMEs): Unsecured Working Capital Loans (collateral-free receivables financing delivered within 48 hours), Risk Mitigation Tools (Quick Decision Reports and Trade Credit Insurance), and Market Exploration Services. The platform is accessible via web on mobile, tablet, and laptop.
Differentiator
Problem solved
Functional benefit
Products and services
- Unsecured Working Capital Loans Collateral-free working capital financing for Indian MSMEs delivered through 3ES's own RBI-licensed NBFC (Visolent India Private Limited) and partner lending institutions. Loans are structured as receivables financing: businesses submit GST invoices drawn on pre-approved debtors and access funds within minutes, with settlement due on invoice due date. Invoices up to 90 days credit period can be financed, and the facility is renewable annually.
- Quick Decision Reports (QDR) Credit, financial, and business analytics reports on target businesses, curated by experienced credit analysts based on data from reliable sources used by financial institutions. Reports help MSMEs assess customers and suppliers at onboarding and at frequent intervals to mitigate credit and operational risks. Available on both pay-per-use and subscription basis.
- Trade Credit Insurance Insurance product that covers business receivables against default risk by customers who contribute a significant value to the business, providing coverage beyond reliance on the customer's past behavior and market standing.
- Explore New Markets Market exploration platform service for MSMEs that enables them to showcase capabilities to prospective customers across geographies in India and overseas, obtain detailed information on prospective buyers via Quick Decision Reports, carry out the entire Purchase Order to Payment transaction on the 3ES platform, and access Purchase Order Finance and post-shipment financing solutions from participating Banks and Factoring Companies.
Quantifiable outcome
- Credit facility available within 48 hours of loan application registration
- +2 more outcomes
Companies that use 3ES
Customer profileSegments1 record
Ideal customer profiles1 record
3ES technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
3ES partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Partner Lending InstitutionscoreVisolent India Private Limited (3ES parent company) delivers Unsecured Working Capital loans through its own NBFC and also through partner institutions. These partner institutions have the ability to process loan amounts required by customers.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
3ES competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
3ES social profiles
Digital presence3ES compliance and trust
Trust signalCompliance1 record
3ES financial estimates
Financial estimateRevenue estimate
Valuation estimate
3ES leadership team
Management profileNumber of profiles
3ES funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
3ES M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 3ES
What does 3ES do?
3ES is a digitalized delivery platform of Visolent India Private Limited (an RBI-licensed NBFC) offering three integrated solutions for MSMEs: (1) Unsecured Working Capital Loans delivered through its own NBFC and partner institutions as receivables financing via GST invoices, with credit facilities available within 48 hours and funds credited within minutes; (2) Risk Mitigation Tools including Quick Decision Reports (credit and financial analytics) and Trade Credit Insurance; and (3) Market Exploration services enabling MSMEs to showcase capabilities to prospective buyers across India and overseas.
Is 3ES a public or private company?
3ES is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was 3ES founded?
3ES was founded in -1.
Where is 3ES based?
3ES is headquartered in Thane, India, in the Asia region.
How does 3ES make money?
Four revenue lines are on record. Working Capital Loan Interest is the primary driver. The others are quick Decision Reports (QDR), trade Credit Insurance and market Exploration Platform Fees.
Does 3ES have an API?
No public API is recorded for 3ES.