Avanti Finance

The Platform

Lending infrastructure for India's underserved

17,500+

Daily transactions

<10 min

Loan decision

60+

Partner integrations

Co-lending engine

Where institutional capital meets India's last mile

Avanti sits between high-quality capital pools and rural communities. Lenders deploy capital through Avanti's credit infrastructure; partner organisations originate loans within their communities.

How co-lending works

Capital provider

Bank · NBFC · DFI

Deploys capital into the co-lent portfolio

Proportional returns on every repayment

Credit risk shared per loan originated

Platform partner

Avanti Finance

India's rural credit platform

Co-invests in every loan originated

Originates, underwrites, and disburses

Manages compliance, collections, servicing

Loan disbursed to borrower

via 60+ partner organisations · paperless · under 10 minutes

Capital providers

Credit risk managed, last-mile reach delivered

Avanti underwrites, manages compliance, and handles disbursement end-to-end

Access to 500K+ verified borrowers across 651 districts in 29 states

Loan decision in under 10 minutes, fully digital

Partner organisations

Originate at scale, limit balance sheet leverage

Shared credit risk: Avanti underwrites | Partners recommend

End to end loan journey: Origination, loan management, collections and compliance.

Products tailored as per livelihood, configured in minutes

Credit Intelligence

A credit model built for India's informal economy

One in five of Avanti's borrowers is new to formal credit. Conventional scoring has little to work with, so our model is built to look further, drawing on agri cycle data, community behaviour, and repayment patterns to build a full picture of creditworthiness for every individual.

Signal inputs

Alternate income indicators
Credit history20% new to credit
Community behavioural signals

<10 min

Individual credit decision

Risk-based pricing. Every applicant assessed on their own data, not a segment they have been placed in.

Loan products

Multiple products. One platform

Avanti's products form a graduation ladder: a borrower might start with a small livelihood loan and, as they build a credit record, access larger and more flexible products over time. Each product is co-created with the partner organisation for their specific community, with 300+ live configurations across the network.

The product range

Livelihood Loans

For the nano-entrepreneur

Repayment aligned to the income rhythms of vendors, artisans, and daily traders.

₹10,000 – ₹1,00,000

Microenterprise Loans

For the established Micro-nano enterprises

Working capital for micro-enterprises with demonstrated cash flow, co-created with community partners.

₹1,00,000 – ₹10,00,000

Agriculture and Livestock

For the rural farmer

Seasonal financing aligned to crop cycles, reaching farmers that traditional credit models exclude.

₹5,000 – ₹5,00,000

Individual Business Loans

For the growing entrepreneurs

Larger-ticket financing for borrowers with a track record and demonstrated growth.

₹25,000 – ₹2,00,000

Under the hood

Every product on the platform is built with Avanti's Loan Markup Language (LML): a configuration layer that lets any partner define a new product type in days, without touching platform code.

harvest-loan.lml
1product_type:"harvest_loan"
2community:"Kisan cooperative, UP"
3tenure:seasonal
4repayment_trigger:post_harvest
5collateral:none
6interest_model:risk_based
7disbursement:"direct_to_account"
8originating_partner:"Agri MFI, Faizabad"

< 72 hrs

Time to configure a new product type

300+

Active product configurations live across the network

Banks · NBFCs · DFIs · Impact funds

Bring capital

Unlock capital deployment with end-to-end credit infrastructure built for India's underserved.

Explore co-lending→

MFIs · Agri-platforms · NGOs · Fintechs

Bring communities

For partners aligned with serving the underserved: originate at scale with shared risk and full compliance support.

Become a partner→