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Progcap focuses on providing fast and flexible collateral-free working capital to retailers in Tier II, III, and IV areas, where retailers typically face challenges in accessing capital for their businesses. This last mile retailer finance solution has half of its customer base new to the credit ecosystem. Its lending platform does risk assessment of these businesses using non-traditional ecosystem data, creating credit scores for customers currently left out by traditional financial institutions. Progcap has been backed by the likes of GrowX Ventures and Sequoia Capital India.