Vivriti Capital

Vivriti Capital is a leading Indian fintech non-banking financial company (NBFC) specializing in mid-market lending and innovative debt solutions. Vivriti Capital operates at the intersection of finance and technology, targeting enterprises and individuals underserved by traditional financial institutions. The company’s core mission is to democratize access to debt capital, empowering mid-market businesses and next-generation enterprises with efficient, high-quality credit.

Core Products and Services

• Business capital loans

• Working capital funding

• Term loans (short and long-term)

• Supply chain finance

• Non-convertible debentures (NCDs)

• Securitization solutions

• Co-lending for priority sector borrowers

• Asset leasing and other bespoke business finance solutions.

Business Model & Revenue Streams

Vivriti Capital operates a marketplace model that efficiently connects mid-market enterprises and individual borrowers with financial institutions and investors. This model leverages advanced technology and data analytics to facilitate transparent, scalable, and efficient financial transactions. The marketplace approach allows Vivriti to offer tailored financial products, enabling borrowers to compare options and investors to assess risk and returns with clarity. Vivriti Capital’s revenue comes from several diversified sources:

• Loan Origination Fees: Fees charged for facilitating loan transactions between borrowers and lenders, typically as a percentage of the loan amount.

• Interest Income: Earnings from the spread between interest rates charged to borrowers and those paid to lenders.

• Subscription Fees: Premium users, such as enterprises or institutional investors, pay for access to advanced analytics and data-driven insights.

• Transaction Fees: Charges applied to each loan or financial product facilitated through the platform, varying by transaction size and complexity.

• Advisory Services: Revenue from providing financial advisory and structuring services to clients seeking specialized debt solutions.

Customer Segmentation

Vivriti primarily serves:

• Small and mid-market enterprises across sectors like manufacturing, retail, and services.

• Individuals needing personal loans for education, healthcare, or housing.

• Emerging markets and tech-savvy users who prefer digital platforms for financial transactions.

Growth Strategy

Vivriti Capital’s growth strategy is multifaceted:

• Market Expansion: Targeting untapped regions and new customer demographics, especially in emerging markets with limited access to formal finance.

• Product Innovation: Continually developing new financial products and leveraging data analytics to offer customized solutions.

• Strategic Partnerships: Collaborating with other fintechs, banks, and industry stakeholders to enhance offerings and extend market reach.

• Digital Transformation: Investing in technology to streamline operations, improve customer experience, and scale the business efficiently.

• Sustainable Finance: Exploring ESG (Environmental, Social, Governance) investment products to attract socially responsible investors.

Competitive Differentiators

Vivriti stands out due to:

• A technology-driven, scalable marketplace model

• Deep expertise in structured finance and risk management

• Flexible, customized financial solutions for mid-market clients

• Strong partner network and a focus on underserved market segments.

These factors position Vivriti Capital as an agile, customer-centric alternative to conventional lenders, driving sustainable growth and value for investors, clients, and stakeholders.

Conclusion

Vivriti Capital’s unique blend of technology, financial innovation, and market focus makes it a transformative force in India’s mid-market lending ecosystem, offering compelling opportunities for investors, researchers, and industry professionals seeking to understand or engage with the next generation of financial services providers.