Drip Capital surpasses $9bn in MSME trade finance as digital lending demand accelerates

Digital trade finance provider Drip Capital has surpassed $9bn in cumulative MSME cross-border trade finance transactions, highlighting continued growth in technology-led working capital finance for smaller businesses.

The milestone comes as SMEs continue to face tighter liquidity conditions, longer payment cycles and increased pressure linked to geopolitical disruption and changing global trade flows. Drip Capital said it processed more than $2bn in FY26 alone, with demand continuing to rise among exporters and importers seeking faster access to working capital.

Founded in 2016, the company focuses on financing cross-border trade for SMEs using automated underwriting and data-led credit assessment. The business operates across India, the US and Mexico, supporting businesses that often struggle to access traditional bank-led trade finance facilities.

The growth reflects broader changes taking place across trade finance markets, where fintechs and non-bank lenders are increasingly expanding into areas historically underserved by larger financial institutions.

Industry participants continue to point to a widening trade finance gap for SMEs globally, particularly in emerging markets where access to working capital remains constrained despite growing trade volumes. Receivables finance and supply chain finance providers are increasingly using technology, automation and alternative data sources to improve onboarding and reduce processing times.

Drip Capital said it is targeting further growth through AI-enabled underwriting and expanded digital trade infrastructure as companies continue shifting toward faster and more flexible financing models.