Northern Arc

Metafin is a non-banking financial enterprise focused on making cleantech solutions, particularly solar energy, affordable and accessible to micro-businesses and micro, small, and medium enterprises (MSMEs) in semi-urban and rural India. The company addresses the challenge of upfront capital costs by offering flexible financing options that allow clients to install cleantech technologies without financial burden. Additionally, Metafin connects clients with qualified technology partners, installers, and service providers, facilitating a streamlined process for adopting sustainable energy solutions.

Aerem is a Mumbai-based FinTech platform dedicated to promoting clean energy solutions for businesses and commercial enterprises. By facilitating the adoption of rooftop solar systems, Aerem enables organizations to significantly reduce electricity costs by up to 70%. The company utilizes a comprehensive installer network and offers financing options through its in-house non-banking financial company or partner banks, making it easier for businesses, particularly micro, small, and medium enterprises, to transition to solar energy. Aerem’s mission is to democratize access to clean energy and contribute to a sustainable future, achieving a positive impact on the environment, society, and economy through its innovative services. With its growing presence across India, Aerem is positioned to lead the charge in solar energy adoption.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Samunnati is a Chennai-based company established in 2014 that focuses on enhancing the agriculture value chain through financial intermediation, market linkages, and advisory services. Its mission is to provide underserved households with access to markets, facilitating inclusive growth within the agricultural ecosystem. By leveraging social and trade capital, Samunnati offers tailored commerce and financial solutions that empower stakeholders across the agri value chain to improve productivity and create value. The company aims to support enterprises and value chains, enabling them to operate more effectively and sustainably, thereby benefiting all participants involved.

LoanKuber is a digital lending platform focused on simplifying and democratizing business financing for individuals and businesses that may not qualify for traditional banking services. The company offers a range of financial products, including unsecured loans, working capital, loans against property, and structured loans. By providing real-time information and a user-friendly experience, LoanKuber aims to enable users to secure loans with trust and confidence, ultimately supporting them in achieving a better financial future.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

UpScalio is an eCommerce brand investor and operator that provides financial services to invest in, grow, and buy businesses. It provides funds to digital brands selling on eCommerce marketplaces like Amazon, Myntra, Flipkart and Nykaa and manages key operations for them including multi-marketplace management, digital marketing, branding, logistics, sourcing, finance, and business operations.

UpScalio is an eCommerce brand investor and operator that provides financial services to invest in, grow, and buy businesses. It provides funds to digital brands selling on eCommerce marketplaces like Amazon, Myntra, Flipkart and Nykaa and manages key operations for them including multi-marketplace management, digital marketing, branding, logistics, sourcing, finance, and business operations.

S.M.I.L.E. Microfinance Limited is a non-banking finance company based in Chennai, India, that specializes in providing microfinance services. Established in 1995, the company focuses on offering micro and small loans primarily to women, enabling them to support their small businesses or engage in income-generating activities. Additionally, these loans can be utilized for personal consumption. S.M.I.L.E. Microfinance operates 105 branches across urban and rural areas of Tamil Nadu, facilitating financial inclusion and empowerment for women in the region.

Klub is a fintech company that specializes in providing flexible revenue-based financing to digital businesses and small to medium-sized enterprises (SMEs) with recurring revenues. By leveraging financial innovation and deep data analytics, Klub offers tailored growth capital solutions to high-affinity brands across various sectors. The company facilitates access to funding through multiple capital structures, catering to businesses at different stages of their growth. This includes financing for marketing, inventory, and capital expenditures. Klub collaborates with non-banking financial institutions, high net worth individuals, and financial institutions to empower entrepreneurs and help them scale their operations effectively. Through its investment platform, Klub aims to support the growth of beloved brands while ensuring a vested interest in their success.

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.

Berar Finance Limited is a non-banking financial company headquartered in Nagpur, India, that provides a range of financial services aimed at serving financially excluded communities in semi-urban and rural areas. The company specializes in financing two-wheelers, used cars, and personal loans, thereby helping consumers meet their vehicle financing needs. In addition to these offerings, Berar Finance accepts fixed deposits and provides various types of loans, including those for office equipment and loans against company deposits. The company also engages in hire purchase activities and operates six branches across the Vidarbha region.

BharatPe is an Indian fintech company that specializes in offering financial services tailored for small and medium-sized merchants. It provides a platform for digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices, allowing merchants to accept payments efficiently. The company's application also features interoperable QR codes for seamless transactions, enhancing the payment experience for both merchants and customers. In addition to payment solutions, BharatPe extends its services to include business loans and various financial products, aiming to empower merchants in effectively managing their finances and growing their businesses.

Fusion Microfinance, headquartered in New Delhi, operates primarily in the North Central region of India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana. Established in January 2010, the company initially focused on microfinance lending to financially underserved women organized into Joint Liability Groups (JLGs). It provides small, collateral-free loans to empower these women and also extends its services to micro, small, and medium enterprises (MSMEs). In addition to lending, Fusion Microfinance leverages its distribution channels to offer various financial products aimed at enhancing productivity, such as loans for purchasing mobile handsets and bicycles. The company's acquisition of the microfinance division Aajeevika, which had a modest initial member base, further strengthened its operations and outreach in the sector.

BharatPe is an Indian fintech company that specializes in offering financial services tailored for small and medium-sized merchants. It provides a platform for digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices, allowing merchants to accept payments efficiently. The company's application also features interoperable QR codes for seamless transactions, enhancing the payment experience for both merchants and customers. In addition to payment solutions, BharatPe extends its services to include business loans and various financial products, aiming to empower merchants in effectively managing their finances and growing their businesses.

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.

Light Microfinance Private Limited is a non-banking finance company based in Ahmedabad, India, specializing in micro and meso finance products and services. Established in 1994, the company primarily operates in the Indian states of Gujarat, Rajasthan, and Madhya Pradesh. It focuses on delivering gender and poverty-oriented programs aimed at supporting rural and peri-urban communities, with a particular emphasis on empowering poor women. As a registered entity with the Reserve Bank of India, Light Microfinance is recognized as one of the fastest-growing microfinance institutions in the country, addressing the financial needs of underserved populations.

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.

Samunnati is a Chennai-based company established in 2014 that focuses on enhancing the agriculture value chain through financial intermediation, market linkages, and advisory services. Its mission is to provide underserved households with access to markets, facilitating inclusive growth within the agricultural ecosystem. By leveraging social and trade capital, Samunnati offers tailored commerce and financial solutions that empower stakeholders across the agri value chain to improve productivity and create value. The company aims to support enterprises and value chains, enabling them to operate more effectively and sustainably, thereby benefiting all participants involved.

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.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

CASHe is a financial technology platform operated by TSLC PTE. LTD., focused on providing accessible personal loans to salaried millennials. The platform offers immediate short-term loans through a user-friendly app, utilizing advanced algorithms and machine learning to assess applicants based on their social profiles, merit, and earning potential. This innovative approach allows young professionals to obtain quick financial support in a transparent manner, helping them achieve their financial goals with ease. By streamlining the lending process, CASHe delivers a modern financial solution tailored to the needs of its target demographic.

Samunnati is a Chennai-based company established in 2014 that focuses on enhancing the agriculture value chain through financial intermediation, market linkages, and advisory services. Its mission is to provide underserved households with access to markets, facilitating inclusive growth within the agricultural ecosystem. By leveraging social and trade capital, Samunnati offers tailored commerce and financial solutions that empower stakeholders across the agri value chain to improve productivity and create value. The company aims to support enterprises and value chains, enabling them to operate more effectively and sustainably, thereby benefiting all participants involved.

Axio is a consumer finance company that specializes in providing money management, pay later, and personal credit services. The company is committed to enhancing accessibility to credit for all individuals by leveraging technology to deliver innovative financial solutions. Axio focuses on reaching a wide range of consumers, particularly those who have been traditionally underserved in the financial sector. In addition to consumer financial services, Axio also offers working capital finance solutions aimed at small and medium-sized enterprises (SMEs), thereby supporting a diverse array of financial needs across different market segments. Through its comprehensive offerings, Axio seeks to empower consumers and businesses alike with the financial tools necessary for success.

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.