L&T provides various financial services to clients on a short-term and long-term basis and Miflow ( Microfinance ) is one of them. It is a web-based app launched by the L&T government authorities that provides loans on various different commodities all around the world. It also consists of the Micro Finance Collection Repository portal which is known to be the MERC portal. The miflow portal maintains all records of payments that would be made against those funds.