Back buyers.
Earn on every rupee.
Become a Guarantor — the financier of the ChallengeRate ecosystem. Deposit capital, allocate credit to buyers, and earn wallet interest plus guarantor bonuses on every purchase.
Wallet returns plus Guarantor earnings
Unlike traditional investments, your capital works in multiple ways simultaneously.
Wallet Interest
Your wallet balance earns daily interest. Guarantor bonuses are tracked separately.
Transaction Bonus
Earn a bonus every time your funded buyer makes a purchase. Longer payment terms = higher bonus.
SP Commission
Also become a Sales Partner for the manufacturer-buyer pair and earn commission on top.
Referral Income
Bring a new Guarantor to the platform and earn 9% of their earnings. Build your network.
How it works
Simple process, powerful returns. Your capital flows directly to vetted buyers.
Deposit capital
Add funds to your ChallengeRate wallet. The wallet starts earning interest immediately.
Allocate credit to buyers
Choose which buyers to fund and lock the credit to a specific manufacturer.
Buyer purchases & you earn
When the buyer orders, you earn transaction bonus. They choose 10/30/60 day payment terms.
Get repaid + profits
Buyer repays on schedule. Your capital is freed for the next allocation.
Why Guarantors matter
Guarantors are the backbone of B2B credit. Your capital unlocks trade for small retailers who otherwise can't access credit.
Solve credit for small retailers
Small buyers get credit they can't get from banks. You make trade possible.
Bring capital into the ecosystem
Your deposits fuel real transactions between manufacturers and buyers.
Guaranteed manufacturer payments
Manufacturers get paid on time because you've backed the buyer.
Network effect through referrals
Every Guarantor you bring grows the credit pool and your 9% referral income.
Who should become a Guarantor?
HNIs & Investors
Earn better-than-FD returns with daily liquidity.
Business Owners
Put idle capital to work in the B2B ecosystem.
Retired Professionals
Generate steady daily income from your savings.
NRIs
Invest in Indian B2B trade remotely with full transparency.
Distributors & Dealers
Back the buyers you already know and trust.