Who we are ?

The big problem

On the demand side, there are over 56 million small businesses (“SMBs”) in India, more than 80% of which do not have access to formal finance. On the supply side, financial institutions (“FIs”) find it difficult to lend to this segment due to documentation gaps and high cost of due diligence. Thus, majority of small businesses borrow at exorbitant rates (often exceeding 50% p.a.) from informal sources leading to a debt trap , threatening survival. We believe, tremendous value can be created for the SMB ecosystem by enabling timely formal finance at an affordable cost to SMBs.

Our approach to solving the problem

We believe each small business is different, characterised by specific business parameters. Hence assessment tools for SMBs need to vary by type of business. Our proprietary assessment tools which integrate our deep understanding of small businesses space (a set which we constantly keep enriching) enable timely loan disbursals . We work with key ecosystem partners within the SMB value chain to address funding requirements at scale , making our proposition a win-win for all.

Why UdyogCredit?

Ultimately, we bring the following benefits to our SMB clients:

Timely Disbursement

Our in-depth understanding of business loan underwriting processes & comprehensive assessment ensures timely loan disbursals through our partner Financial Institutions

Minimized Cost

Depending upon your business profile, we provide you the best options to borrow from, leading to cost optimization


We handhold you throughout the loan process while you continue to focus on your business

Our Vision

Catalysing the growth of Small Businesses by enabling formal finance at the most competitive prices

Our Mission

We will educate SMBs on financial prudence and literacy while assisting them in securing formal finance

We will partner with multiple stakeholders of the ecosystem to collectively enable growth of the Small Businesses community

Our Values

Integrity - We practise operating in an honest, transparent and fair manner with all our stakeholders

Perseverance - We believe that consistent, focused hard work can solve the toughest problems in the world

Innovation - We believe that thinking out of the box is necessary to solve critical problems and deliver unparalleled benefits

Our Team

We are a team of ex-bankers, investment banking professionals and management consultants committed to the development and growth of small businesses and associated entrepreneurs.

We are looking to hire fresh innovative minds. If you share our values and would like to be a part of our journey, please write to us at info@udyogcredit.com

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