UC Inclusive Credit

UC Inclusive Credit Pvt Ltd. (UCIC) is an impact-focused Non-Banking Finance Company (NBFC) based in Bangalore, India. Established in 2016 and incubated by Unitus Capital, UCIC aims to provide innovative debt solutions to enterprises that strive for positive social and environmental impacts. The company operates under the regulatory framework of the Reserve Bank of India and is dedicated to supporting businesses in sectors such as agriculture, education, healthcare, clean energy, financial inclusion, and affordable housing.

Mission and Vision

Services Offered

• Term Loans: Offering vanilla term loans with flexible repayment options for up to 24 months.
• Structured Financing: Providing customized debt solutions such as bridge finance, project finance, and receivable finance.
• Subordinated Debt: Supporting high-quality NBFCs with subordinated debt options for up to 66 months.
• Lines of Credit: Helping companies manage cash flow fluctuations through revolving credit facilities.

Target Sectors

• Food & Agriculture
• Financial Inclusion
• Healthcare
• Clean Energy
• Education
• Affordable Housing

Impact

UCIC's mission is to channel private capital into impactful businesses that can drive social change while achieving financial sustainability. The company believes in the potential of innovative financing structures to address the unique challenges faced by social enterprises, particularly those that traditional banks may overlook due to their unconventional business models.UCIC provides a variety of financial products tailored to the needs of its borrowers, including:The company focuses on sectors that have a significant impact on low-income populations and are aligned with sustainable development goals.