India’s MSMEs may be the backbone of the economy, but for many small businesses, access to timely and adequate credit remains a persistent challenge. While financial services have become increasingly digital, traditional businesses can still find themselves caught between documentation-heavy lending and purely technology-led models. Jacinth Finvest Limited has built its approach around addressing this gap, combining technology-driven financial services with the human relationships that remain central to responsible lending.

Finding the Middle Ground

With 20 years of experience in financial inclusion, Jacinth Finvest was established in 2006 as a tech-driven, RBI-registered NBFC with a clear purpose: supporting the growth ambitions of India’s MSME entrepreneurs. Its approach is rooted in grassroots financial inclusion, particularly for traditional MSMEs that may struggle with collateral requirements or formal credit documentation.

The company operates in what it describes as the “sweet spot” between pure fintechs and conventional lenders. Through a high-touch “phygital” model across 66 branches, field officers bring digital lending directly to merchants, allowing technology and personal interaction to work together.

Jacinth also uses alternative methods to assess the cash flows of informal but viable cash-and-carry businesses. Its offerings range from unsecured loans of up to ₹3 lakh for immediate liquidity needs to property-backed secured loans for larger requirements and longer tenures. The........

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