TallyCapital – Digital Credit Enablement Platform for Businesses Using Tally

TallyCapital is a digital credit enablement platform that helps eligible businesses discover, apply for, and access working capital and business loans based on their accounting data. It is designed to simplify business financing by reducing documentation complexity and improving loan assessment efficiency using structured financial data.

This article explains what TallyCapital is, how it works, its features, technical flow, use cases, limitations, security considerations, and best practices.

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What Is TallyCapital?

TallyCapital is a business finance facilitation platform developed by Tally Solutions.
It connects businesses with participating lending institutions and financial partners by enabling data-driven credit evaluation.

TallyCapital does not directly lend money. Instead, it acts as a technology platform that:

• Enables consent-based data sharing

• Simplifies loan discovery and application

• Supports faster credit decisions

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Key Objectives of TallyCapital

• Reduce friction in business loan applications

• Improve credit access for MSMEs

• Enable lenders to assess risk using authentic accounting data

• Minimize paperwork and manual reconciliation

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Product Features

1. Digital Loan Discovery

• Displays loan and credit options available from partner lenders

• Tailored based on business profile and eligibility

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2. Accounting-Data–Based Credit Assessment

• Uses structured financial data (sales, receivables, cash flow)

• Reduces dependency on traditional collateral-heavy processes

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3. Consent-Based Data Sharing

• Businesses explicitly approve data sharing

• Data access is limited to loan assessment purpose only

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4. Simplified Loan Application

• Reduced documentation

• Faster submission compared to conventional processes

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5. Centralized Platform

• Single interface to explore, apply, and track credit requests

• Eliminates the need to visit multiple lender portals

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Technical Overview – How TallyCapital Works

High-Level Flow

1. Business accesses TallyCapital platform

2. Business profile and financial overview is provided

3. User gives explicit consent for data usage

4. Platform shares relevant financial indicators with lenders

5. Lenders evaluate and process the loan

6. Loan approval, rejection, or further steps are communicated

TallyCapital acts as a facilitator, not a lender.

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Data Sources Used (Indicative)

Data Type	Purpose
Turnover trends	Revenue stability
Receivables	Cash flow analysis
Payables	Liability overview
Historical performance	Creditworthiness
Business profile	Eligibility validation

Exact data shared depends on user consent and lender requirements.

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Use Cases

• MSMEs seeking working capital

• Businesses with limited credit history

• Firms looking to reduce loan processing time

• Accountants assisting clients with finance access

• Seasonal businesses requiring short-term liquidity

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Eligibility Considerations (Indicative)

Eligibility may depend on:

• Business vintage

• Turnover consistency

• Financial data quality

• Regulatory compliance

• Lender-specific criteria

Meeting eligibility criteria does not guarantee loan approval.

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Step-by-Step Usage (High-Level)

Step 1: Access TallyCapital Platform

• Open TallyCapital portal

• Review available credit options

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Step 2: Provide Business Details

• Confirm basic business information

• Review financial overview

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Step 3: Give Data Consent

• Explicitly approve data sharing

• Scope limited to loan assessment

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Step 4: Apply for Credit

• Select lender/product

• Submit application digitally

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Step 5: Track Status

• Receive updates from lender

• Complete additional steps if required

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Common Issues & Fixes

Issue: No Loan Options Visible

Possible Causes

• Insufficient data

• Business not meeting minimum criteria

Fix

• Ensure updated and accurate financial records

• Revisit eligibility after improving data consistency

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Issue: Application Rejected

Possible Causes

• Lender credit policy

• Cash flow inconsistencies

Fix

• Review financial structure

• Consult financial advisor before reapplying

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Issue: Data Consent Error

Possible Causes

• Incomplete consent flow

• Network issues

Fix

• Reattempt consent process

• Verify connectivity

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Security Considerations

• Explicit user consent required for data sharing

• Limited-purpose data usage

• Secure data transmission protocols

• No permanent lender access to raw accounting data

• Compliance with applicable data protection regulations

Users retain full control over consent and visibility.

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Best Practices

• Maintain clean and updated accounting records

• Regularly reconcile books

• Understand loan terms before applying

• Apply only for required credit amounts

• Keep consent scope minimal and relevant

• Avoid multiple parallel applications unnecessarily

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Limitations & Notes

• Platform does not guarantee loan approval

• Availability depends on participating lenders

• Not a replacement for financial advisory services

• Loan terms are decided solely by lenders

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Conclusion

TallyCapital is a technology-driven platform that simplifies access to business credit by leveraging structured accounting data. By reducing paperwork and enabling consent-based data sharing, it improves transparency and efficiency in the loan application process. When used responsibly and with accurate financial data, it can be a practical option for businesses seeking streamlined financing opportunities.

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