Klub is the Bengaluru fintech that made revenue-based financing a household concept among India's D2C founders. Born from the idea that high-growth digital brands shouldn't have to dilute equity or mortgage collateral to fund their next marketing or inventory push, Klub lets founders raise flexible capital repaid as a fixed percentage of monthly revenue — and has since grown into a full fundraising platform, now rebranded as Klub.ai (RaiseOS).

Lending thesis

Klub's original pitch was simple: capital for marketing, inventory and growth capex that scales with revenue, not fixed EMIs that crush thin margins. Loans ran from Rs 5 lakh up to Rs 30 crore, with tenors of 3–18 months, and repayments flexed automatically with the brand's monthly revenue. Eligibility centred on digital-native businesses — D2C brands, e-commerce sellers and later SaaS companies — with predictable revenue streams, rather than collateral or profitability. The company says it deployed capital across 1,600+ investment rounds for 600+ brands.

Funds, stages and cheque sizes

Klub raised a $20 million seed round in 2021 led by Sequoia Capital India's Surge, with Alter Global, GMO VenturePartners and 9Unicorns participating, after a $2 million pre-seed also led by Surge. It then launched Acceler8, a dedicated INR 200 crore revenue-based-financing fund that reached its final close with around 37 investments — including BluSmart, Bewakoof, Furlenco and SMOOR Chocolates — targeting 50–55 investments. In April 2024 it partnered with U GRO Capital to disburse INR 150 crore to MSMEs. (An AUM figure for Klub itself is not publicly disclosed.)

Notable portfolio

Brands publicly associated with Klub include Bewakoof, Chumbak and Purple Style Labs, alongside Acceler8-backed names such as BluSmart, Furlenco and SMOOR Chocolates. The platform's sweet spot has always been consumer-facing brands scaling on marketplaces and their own websites — exactly the cohort traditional lenders struggled to underwrite.

People

Klub was founded on the revenue-based-financing concept by Anurakt Jain and Ishita Verma. (Founding-year reporting differs: YourStory's 2022 profile says 2019, while the company's own boilerplate states 2020.) The team built the company at the intersection of credit and the D2C ecosystem, partnering with players such as Shopflo (checkout finance) and CoffeeMug (D2C investing).

Programmes, credits and perks

Klub's ecosystem partnerships — with checkout platforms like Shopflo and investor-network platforms like CoffeeMug — embedded financing into the tools D2C merchants already used. With the move to Klub.ai (RaiseOS), the company now positions itself as a fundraising platform with an AI fundraising advisor, 15,635+ capital providers and 30+ financing solutions across equity and debt.

How to engage

Founders can explore financing options at klub.ai, where the platform's AI advisor matches businesses to financing solutions. The original proposition remains most relevant to digital-first brands with steady monthly revenue: if EMIs feel like a straitjacket and equity feels like overkill, revenue-linked capital is the middle path.

Why it matters for founders

Klub proved that Indian D2C founders had a third option between dilutive VC rounds and rigid bank loans — flexible, revenue-linked capital, with 600+ brands and 1,600+ rounds to show for it. Now evolving into Klub.ai, it markets itself as a full-stack fundraising platform across equity and debt. If your brand is revenue-generating and growth-constrained, study this model before your next fundraise. Find these funders and apply in one click at noranow.in/investors — and build your application with the Apply Kit.