Connect
A woman entrepreneur at her stitching unit

Reach promising new-to-credit customers with better preparation and stronger last-mile support.

We work with banks, NBFCs, and other regulated financial institutions to source, prepare, and support underserved borrowers, while the lender retains underwriting and credit decisions.

Build an inclusive-credit pipeline

Our credit-plus model

Women at a financial literacy training session
  1. 01Source through trusted community networks.
  2. 02Verify business activity and documentation.
  3. 03Build financial, digital and enterprise capability.
  4. 04Support formalisation and scheme linkages.
  5. 05Use additional livelihood signals as decision support where appropriate and permitted.
  6. 06Coordinate onboarding and early borrower handholding.
  7. 07Track repayment, utilisation, enterprise outcomes and progression.

Technology

Women entrepreneurs working on a laptop during a training session

  • Loan-origination workflows.

  • Learning management system.

  • Analytics dashboards.

  • API-ready integrations where technically and contractually agreed.

  • Pre-Credit Score

    under development

Evidence

Discuss a new-to-credit segment

  • 34 crore+

    34 crore+ formal credit unlocked from Financial Institutions

  • 110,000+

    110,000+ people supported with access to affordable finance (returnable grants, credit guarantee backed loans, formal loans)

  • 1.03 million+

    Strengthened financial, digital, and enterprise capabilities for 1.03 million+ individuals in the last 5 years

  • 45+

    Reach supported by 45+ grassroots partners across urban and rural India

  • 20+

    Integrated with 20+ lenders including banks, NBFCs, MFIs, and fintechs

Proof of the climb

Impact on the ground

A woman entrepreneur outside her shop

Access to Finance · Pan-India

₹5 croreFormal credit enabled
₹2–10 lakhLoan size range
In partnership with USAID and UGRO CapitalUSAIDUGRO

Women running viable nano and micro enterprises in retail, food, and services stay invisible to traditional underwriting, simply because they lack a credit history. A first-loss guarantee program changed what lenders could see. UGRO Capital sourced borrowers against criteria built jointly with Samhita, and every case went through independent review before onboarding. The program has enabled ₹5 crore in formal credit, in loan sizes from ₹2 lakh to ₹10 lakh.

A woman entrepreneur in Gujarat at her home business

Access to Finance · Gujarat

2,600Women entrepreneurs
₹10 croreLending enabled
₹40,000Average loan size
In partnership with 360 ONE Foundation360 ONE

In Gujarat, 2,600 informal women entrepreneurs, many of them new to credit, gained access to formal loans through a ₹1 crore philanthropic credit guarantee supported by 360 ONE Foundation. The guarantee enabled ₹10 crore in lending, with an average loan size of ₹40,000. Over the past two years, the women have shown strong repayment behaviour, and the guarantee has helped first-time borrowers reach formal finance. By opening access to credit at scale, the initiative is helping women entrepreneurs grow their businesses and take a step toward financial inclusion.