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The case brings forward critical business decision making scenarios confronted by Gaurav Hinduja and Sashank Rishyasringa, the promoters of a fintech lending company, Capital Float. At the time when the fintech space was budding in India, Hinduja & Rishyasringa founded Capital Float in 2013. In a short span of six years, the company emerged as one of the leading digital lending companies of India. The company used technology as an enabler and targeted small and medium enterprises and individuals who did not possess formal documentations for availing loans. The company served customers, who, for decades, had depended on informal lending and faced challenges in the process of getting loans from the organized sector in the absence of formal documentation. Since 2019, the company was facing challenges firstly due to the NBFCs crisis and immediately thereafter the global pandemic, COVID-19. The two crises resulted in drying up of funds, increased cost of borrowing and raising doubts regarding quality of company’s loan book. Surviving in this challenging economic environment and positioning the business for the future was the biggest challenge that Hinduja and Rishyasringa were facing.