Avanti Microfinance

The Platform

Lending infrastructure for India's underserved

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 Microfinance

India's rural credit platform

Co-invests in every loan originated

Originates, underwrites, and disburses

Manages compliance, collections, servicing

Loan disbursed to borrower

via partner organisations · paperless

Capital providers

Credit risk managed, last-mile reach delivered

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

Access to verified borrowers reached through the partner network

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

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 history
Community behavioural signals

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.

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"

In Avanti’s Own Words

Next Gen Financial Inclusion Platform

  1. Highly scalable operations enabled by the platform result in a lower cost of operations moving away from high-cost brick & mortar and high headcount models that are both expensive & have limited scalability

  2. Hyperlocal livelihood product innovation facilitated by partners ensures mass customization at scale tailored to the needs of our users for different livelihoods.

  3. Focused on financial inclusion - where everything from the curation data, the product design, and livelihood models are all crowdsourced from the local community to build a trust score for an otherwise data-dark customer.

  4. Anchoring solely on products designed to support livelihood, combined with digitization of social trust, decreases risk by shifting focus from ensuring repayment to establishing livelihood expansion, thereby enabling the borrowers to repay loans.

  5. Driven by a minimalistic, API-driven architecture enabling rapid deployment of capital for distinct purposes solving for priority sector lending, geographical expansion, acquisition digitization, deployment of capital to new target segments, debt for specific loan programs etc.

Open-Access, Flexible Digital Platform

Avanti platform is an open-access digital financial spine, flexible enough for users and partners to create, curate and deploy the financial products they need in a touchless, presence less, and cashless interface with our users.

Unmatched access to financial services for the underserved customer through hyperlocal product development with partner inputs and Cashflow-based customized products.

Democratising Financial Access:

Paperless, Presenceless And Cashless:

Paperless: a digital end-to-end journey Presenceless: the ability to deliver financial services through local networks Cashless: designed for multiple digital repayment alternatives.

Sustainable Impact:

Hyperlocal livelihood product innovation facilitated by partners ensuring customization at scale, Low cost, and highly scalable operations

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→