● Zero-ERP Pharma Credit Infrastructure

Unlocking Locked Capital for India’s Pharma Trade.

MedFund bridges distributors and retail chemists with instant invoice clearing, collateral-free liquidity, and 30–40 day net credit — without touching any ERP or billing software.

Join Pilot Program Explore Workflow →
T+7
Instant Distributor Payout
40 Days
Retail Chemist Grace Buffer
0 ERP
AIOCD Native Ingestion

⚡ Real-Time Trade Bridge

1
AIOCD Bill EmailedDistributor generates bill; MedFund intake email is cc'd automatically.
2
QR Delivery ConfirmationChemist checks carton and scans QR code on invoice.
3
Direct Bank SettlementFunds settle directly to distributor’s commercial bank.
4
Day 40 e-NACH ClearanceAutomated direct repayment with built-in Stop-Credit recourse.
Targeted Liquidity

Built for the Two Pillars of Pharma Trade

Eliminating the ₹75 Lakh receivables lock-up for distributors while providing small retail pharmacies the liquidity to stock high-margin molecules.

Pharma Distributors

Turn Locked Overdue Books into Liquid Cash
  • Zero Cash Credit Drag: Eliminate 9.5%–13% bank CC interest and personal property mortgage requirements.
  • Upstream Direct Settlement: Receive verified invoice payouts directly into your standard bank account on Day 7.
  • Dynamic Credit Note Deductions: Returns and expiry credits are netted automatically against ongoing invoices.
  • Stop-Credit Protection: Automated network-wide credit freeze ensures highest repayment priority on retail counters.
  • Expand Product Lines: Deploy clean top-up lines to take on new pharmaceutical company agencies.
Partner as a Distributor

Retail Chemists

40 Days Credit Without Distributor Harassment
  • 30–40 Day Credit Window: Breathe easy and sell through inventory before payment is deducted.
  • No Cumbersome OTPs: Simply scan the unique QR code on the paper bill upon checking delivered cartons.
  • Higher Molecule Margins: Stock newly launched, high-margin ethical formulations without upfront cash strain.
  • Pre-Approved Asset Loans: Unlock collateral-free term loans (₹2L–₹15L) for pharmacy renovation, racks, and PCs.
  • Automated e-NACH / UPI: Frictionless, hassle-free automated clearance directly on the 40th day.
Register Your Pharmacy
Zero ERP Touch

How MedFund Works in 3 Simple Steps

No plugins to install. No Marg or Mediman database tampering. Pure AIOCD standard compliance.

01

Email Ingestion

The distributor generates a routine AIOCD tax invoice. MedFund’s dedicated intake email is added upon dispatch, automatically ingesting and indexing bill details.

02

Physical QR Scan

Goods arrive at the pharmacy. The retail chemist verifies physical box contents and scans the unique MedFund QR code printed on the invoice using the MedFund mobile app.

03

Direct Bank Disbursal

The NBFC partner releases funds directly into the distributor's primary commercial account. On Day 40, payment is cleared via pre-authorized e-NACH auto-debit.

Institutional Governance & Regulated Capital

MedFund operates under strict compliance with RBI digital lending directives and trade association guidelines, connecting verified pharmaceutical balance sheets with premier institutional lenders.

🏛️ Pharmtree Distribution Pvt Ltd (CIN: U21001GJ2023PTC139873)
🔒 RBI-Registered NBFC Capital Partners
📄 AIOCD Standard Compliance
⚡ NPCI e-NACH / UPI AutoPay Rails
Get Started

Join the Bhavnagar Pilot Cohort

Are you a distributor seeking immediate liquidity or a retail pharmacy looking for extended credit? Express your interest below.