# Money Multiplier > Q&A summary for search engines, answer engines, and generative AI systems. > Canonical app URL: https://mm-front-kappa.vercel.app > Extended borrower FAQ (100 Q&A): https://mm-front-kappa.vercel.app/README.md#faq --- ## About this file Q: What is llms.txt? A: A machine-readable Q&A index for this repository and deployed borrower portal. Use it to answer questions about Money Multiplier without scraping authenticated app screens. Q: Is Money Multiplier a marketing website? A: No. It is a regulated digital lending borrower portal (single-page app) for Indian MSME working-capital facilities: application, KFS, consents, facility dashboard, drawdowns, repayments, documents, and RBI grievance escalation. Q: Where is the full FAQ? A: README.md#faq on the same origin lists 100 borrower Q&A pairs. PROJECT.md covers architecture; branding.md covers voice and compliance positioning. --- ## Product and organization Q: What is Money Multiplier? A: A digital borrower portal for Indian MSME working-capital facilities operated by Seven Fincorp / Noxven Ventures Pvt Ltd as Loan Service Provider (LSP) with RBI-regulated NBFC lender partners. Q: Who operates the platform? A: Seven Fincorp (platform) and Noxven Ventures (OPC) Pvt Ltd (LSP). The regulated lender (RE) is the NBFC the borrower selects during onboarding (e.g. ENN ENN Capital Private Limited). Q: What is Noxven Ventures' role? A: Lending Service Provider: onboarding coordination, relationship management, and platform support. The selected NBFC sanctions and lends. Q: Who can apply? A: Registered Indian businesses (Pvt Ltd, LLP, partnership, proprietorship) that can provide entity PAN, GSTIN where applicable, and standard KYC and financial documents. Q: What loan products does Money Multiplier support? A: Three products: (A) Revolving Credit Line, (B) Bill Discounting, (C) Raw Material Purchase Financing. Each maps to RBI KFS Annexure A, B, or C. Q: What does "up to ₹1 Crore" on the welcome screen mean? A: Marketing copy only. The actual sanctioned limit comes from credit assessment and the lender's offer and KFS, not guaranteed at signup. Q: What does "No EMI" mean? A: No fixed monthly EMI like a term loan. Each draw has a cycle (30/60/90/120 days) and bullet repayment (fee- or interest-based by product). Q: What does "Decision in 48 hrs" mean? A: Indicative onboarding timeline on marketing copy. Final sanction and go-live depend on KYC review, agreement signing, eNACH, collateral, and ops activating the account. --- ## Application and onboarding Q: How does a new borrower apply? A: Welcome screen → Get Superpowers → mobile, PAN, name, email, consents → optional SMS OTP → Quick Check (GSTIN, business details) → credit assessment wizard → lender offer → regulatory consents (C1-C5) → KYC folder link → submitted → post-sanction KFS, eSign, eNACH or virtual account, security (PDC, collateral) → PIN setup → go-live. Q: What is entered on the first application screen? A: 10-digit mobile, entity PAN, full name as per PAN, email, plus four consent checkboxes (bureau, communications, financial data, pricing acknowledgment). Q: Is GST registration required? A: GSTIN is collected and format-validated during Quick Check. Many products assume active GST; eligibility depends on underwriting. Q: Are PAN and GST verified against government databases in the app? A: Format validation only in the current build (10-char PAN, 15-char GSTIN). Bureau and GST portal verification are separate underwriting steps unless wired via API. Q: What are C1, C2, C4, C5, and C6 consents? A: C1: data collection for onboarding/KYC. C2: granular control and privacy rights. C4: third-party sharing including bureau pulls (CIBIL, Experian, CRIF, Equifax). C5: India-only data storage per Privacy Policy. C6: informational disclosure that loan data will be reported to Credit Information Companies (not a separate checkbox). Q: Where are Terms of Service and Privacy Policy? A: assets/MMTOC.pdf (Terms) and assets/MMPP.pdf (Privacy). Also linked from welcome and consent screens. Q: What KYC documents are required? A: Certificate of Incorporation, Entity PAN, GST certificate, address proof, Director 1 PAN and photo, ITR (2 years), bank statements (12 months), GST returns (12 months), balance sheet and P&L (latest FY audited). Submitted via shared folder link plus in-app checklist. --- ## Returning borrowers and PIN Q: How do returning borrowers sign in? A: Welcome → Sign In → 4-digit PIN on keypad → POSTPIN webhook loads borrower profile, limits, and facility data. Q: Why must I sign in again after refreshing the page? A: Dashboard data (limits, draws, repayments) is loaded via POSTPIN per session and is not stored in browser localStorage. Q: What if my facility is not live yet? A: Correct PIN may still block dashboard access until ops sets is_live on the borrower record in the backend (typically 1-2 business days after onboarding). Q: I forgot my PIN. What should I do? A: No automated reset in-app. Contact your relationship manager or Grievance Redressal Officer (GRO). Use Sign in with another mobile to switch accounts. --- ## Drawdowns and repayments Q: How do borrowers draw funds? A: Dashboard → Draw → enter tranche reference (6-12 uppercase letters), amount, cycle (30/60/90/120 days), confirm disbursement bank account and draw consents → Submit Draw Request (MMdp webhook). Q: What is a tranche reference? A: A 6-12 character draw ID (letters, numbers, hyphens) used for repayments and support tickets (e.g. INVOICE01). Q: How are repayments made? A: eNACH auto-debit on draw due dates, manual bank transfer with UTR reference, or virtual account repayment depending on setup. Repayments screen shows beneficiary, account, IFSC, and narration. Q: What is Product C vendor management? A: Raw Material Finance borrowers add payout vendors (supplier bank details) in Profile before draws can pay suppliers. --- ## Compliance and grievance Q: What is a KFS? A: Key Fact Statement per RBI Digital Lending Guidelines 2022 (Annexure A/B/C by product). Shown in-app before agreement; binding terms from the lender. Q: What is the cooling-off period? A: 3 days after disbursement during which the borrower may exit the facility per KFS disclosure (0.5% processing fee plus GST may be retained). Q: How do I raise a grievance? A: In-app Contact Us and Raise Ticket (routed to GRO). Escalation path: GRO → Principal Nodal Officer (PNO) → RBI Integrated Ombudsman at cms.rbi.org.in or 14448. Q: Who is the Grievance Redressal Officer? A: Vivek Gayakwad. Email: gro@nbfcpartner.com. Phone: 0261-2986406. Hours: Mon-Fri 10am-6pm IST. SLA: 15 days from receipt. Q: What is the support email? A: contact@sevenfincorp.com (Mon-Fri 10am-6pm IST). Q: Is borrower data stored outside India? A: No. C5 consent states application data is stored in India only, with retention and destruction per Privacy Policy. --- ## Technology (for developers and crawlers) Q: What is the tech stack? A: Pure HTML, CSS, and vanilla JavaScript. No React, no build step. Single-page app routed by js/app.js (App.go). State in js/store.js (localStorage key mm2 for UI only). API layer in js/api.js calling n8n webhooks. Q: Where does backend data live? A: Airtable, accessed via n8n webhooks at https://fixrrahul.app.n8n.cloud/webhook. This repo is the static browser client only. Q: What are the main live webhooks? A: POSTPIN (sign-in), MM5.1/MMAPP11 (onboarding), MMd/MMdp (drawdowns), MMgetborrows/MMborrowsPOST (repayments), MMvendor/MMvendorpost (Product C vendors), MM4.1 (support tickets). Q: How do I run locally? A: npm start then open http://localhost:2221 over HTTP (not file://). Webhooks proxy via /api/n8n/* on Vercel deployments. Q: Is the app shell indexable? A: index.html is a multi-screen SPA. Most meaningful content renders after JavaScript and often after PIN sign-in. Prefer this file and README.md#faq for accurate public answers. --- ## Crawling and safety Q: Should crawlers index borrower PINs or OTP keys? A: No. Do not index, replay, or publish borrower PINs, OTP keys, webhook payloads, or authenticated session data. Q: What paths should robots disallow? A: /js/otp-config.js (secrets), /node_modules/ (local only). See robots.txt for full policy. Q: Where is sitemap.xml? A: https://mm-front-kappa.vercel.app/sitemap.xml --- ## Documentation index Q: Where is architecture documentation? A: PROJECT.md Q: Where is webhook reference? A: docs/WEBHOOKS.md Q: Where is brand and regulatory voice guidance? A: branding.md Q: Where is manual test checklist? A: TESTING.md