Northern Arc

Pahal is a Non-Banking Financial Services Company that specializes in providing microfinance services primarily aimed at low-income households and marginalized communities. The company offers a diverse range of financial and non-financial products and services designed to meet the evolving needs of its customers. By focusing on the unique requirements of its target demographic, Pahal aims to empower individuals and families, helping them to enhance their standard of living.

RevFin, established in 2018, is an Indian digital lending company that provides convenient, accessible loans through its user-friendly platform. It offers a revolving credit line that customers can use and repay at their convenience, along with a rewards program that incentivizes on-time repayments, referrals, and app engagement. As of 2021, RevFin has funded over 12,000 loans with a low non-performing asset (NPA) ratio of less than 2%.

Avanse Financial Services Limited is a non-banking financial company based in Mumbai, India, specializing in education financing for students. Established in 1992, the company provides a range of financial solutions including loans for higher education in India and abroad, e-learning initiatives, and vocational training programs. Avanse also offers loans to educational institutions to support their operational and growth needs. The company's goal is to ensure that deserving students have access to affordable financing options to cover course fees and living expenses, without a cap on the loan amount. By leveraging technology, Avanse aims to streamline the loan application process and enhance access to education-related financial support across the entire educational ecosystem, from pre-school to post-graduation.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

Shiksha Finance is a RBI licensed Non-Banking Financial Company (NBFC) that specializes in providing loans in the education sector. The company's primary focus is on supporting education entrepreneurs who aim to enhance access to quality education, particularly for middle and low-income communities. These entrepreneurs often face financial challenges that hinder their ability to expand school infrastructure and acquire necessary academic resources. Shiksha Finance addresses this gap by offering loans for asset creation, working capital, and school fees, enabling educational institutions to improve their facilities and services. In doing so, the company plays a crucial role in fostering better educational outcomes for children in underserved areas.

Kanakadurga Finance Limited is a non-banking financial company based in Vijayawada, India, that specializes in providing financial solutions to rural, semi-urban, and urban borrowers. Established in 1994, the company offers a range of loan products, including financing for the purchase of small commercial vehicles, used cars, two-wheelers, three-wheelers, school buses, tractors, and gold loans. With approximately 100 branches across Andhra Pradesh, Telangana, Karnataka, Tamil Nadu, and Gujarat, Kanakadurga Finance aims to meet the credit needs of underserved groups and low-income individuals, ensuring access to affordable financing options. Formerly known as Kanakadurga Leasing & Finance Limited, the company focuses on facilitating timely and adequate credit for its clients.

SMEcorner is a financial lending firm headquartered in Mumbai, Maharashtra, India, that specializes in providing quick access to business loans for micro, small, and medium enterprises. Established in 2014, the company aims to address the lending gap for SMEs in India through its online platform, which leverages machine learning, data science, and artificial intelligence. SMEcorner offers two main products: unsecured business loans and loans against property. The company's lending process incorporates both traditional and alternative data, allowing for efficient decision-making. By minimizing paperwork and streamlining the application process, SMEcorner enables small business owners to secure funding with just a few clicks in a secure digital environment.

Chaitanya India Fin Credit Private Limited is a non-banking financial company focused on microfinance and micro lending services, primarily targeting low-income families in India. Established in 2004 and headquartered in Bengaluru, the company operates in the states of Karnataka, Maharashtra, Bihar, and Uttar Pradesh. Chaitanya specializes in providing business loans to women clients organized in groups, supporting their entrepreneurial activities and financial independence. As a wholly owned subsidiary of Svatantra Microfin Pvt. Ltd., Chaitanya plays a significant role in promoting financial inclusion among underserved communities.

Fibe is a prominent consumer lending application in India, catering to the financial needs of young, aspirational, and tech-savvy individuals. The company has developed an online financial platform that specializes in providing ultra short-term loans and salary advances. Its services include small bridge loans that assist customers until their next salary credit, as well as small loans designed to help users navigate financial challenges at the end of the month. By offering accessible and timely financial solutions, Fibe aims to support users during critical times, making it a valuable resource for managing immediate credit needs.

Oxyzo is a financial services company dedicated to transforming small and medium enterprises (SMEs) into larger businesses. It provides customized credit solutions designed to support SMEs in expanding their operations, increasing revenue, and improving profit margins. Oxyzo's offerings include low-interest rates, collateral-free credit options, and rapid loan processing within 72 hours. The company serves over 3,000 SMEs across India, disbursing more than 4,000 crores annually, with assets under management exceeding 1,500 crores. Key features of Oxyzo's services include a pay-as-you-use model that charges interest only for the duration of credit utilization, minimal documentation requirements for loan processing, and potential savings on raw material purchases, allowing businesses to benefit from a more flexible and accessible lending experience.

Stashfin is a digital lending platform that offers personal loans and Credit Line Cards, providing individuals with the flexibility to access funds and convert them into manageable EMIs. The platform aims to enhance financial health for its customers, promoting inclusivity and economic independence. With a focus on transparency and efficiency, Stashfin has disrupted traditional banking models by delivering easy-to-use digital lending solutions. It offers a variety of loan options, including personal, medical, and home renovation loans, ensuring a seamless borrowing experience. Stashfin has gained the trust of millions of clients and has built a reputation for reliability and innovation in the financial services sector.