"We Want To Be The Banker Of Every MSME In India"

By indentifying and supporting small business owners with their credit needs, ARTH has emerged as a strong growth partner for many MSMEs, particularly those led by women

The small businesses sector is not just one of the biggest in India with footprints across the length and breadth of the country, it is also largely unorganised with little or no access to formal finance. Started with the aim of delivering low-cost credit and financial services to small businesses, ARTH over the years has managed to reach out to a large number of small business owners, with its business model designed to cater to new-to-credit (NTC) micro businesses in the country with a special focus on women-led businesses.

ARTH’s business model is uniquely developed to identify and support micro-business owners’ credit and capital requirements either directly or through partnerships with net work operators at national, regional and hyper-local levels to offer working capital loans and other financial products such as insurance, payments, etc.

How ARTH Works 

ARTH’s two-pronged approach of partnering with national players via micro MSME networks using the digital platform, and directly digitising select-occupation micro MSMEs using hyper local partners has established unique digital and phygital channels to cater to the vast MSME population in the country. The company differs from other solutions in terms of product design as well as distribution channels.