Name

Ambit Finvest

Legal name

Ambit Finvest Private Limited

Website

https://finvest.ambit.co

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

MSME Business Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• MSME business loans
• Secured business lending
• Unsecured business lending
• Used vehicle financing
• NBFC lending

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on secured business loans (up to ₹3 crores), unsecured business loans (up to ₹50 lakhs), and used vehicle loans (up to ₹3 crores). Interest rates range from approximately 12% to 28% p.a. based on loan type, customer profile, and creditworthiness.
2. Processing Fees: Processing fees charged on loan applications. Specific fee amounts are not publicly disclosed but are detailed in the Schedule of Charges available on the website.
3. Co-lending Revenue Share: Revenue sharing arrangements with digital lending partners (Lendingkart, Indifi) where Ambit provides capital and partners handle sourcing, credit assessment, and servicing. Partners handle customer service, monitoring, and recovery.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Ambit Finvest is an RBI-registered NBFC that provides secured business loans (Vyapar Loan) up to ₹3 crores, unsecured collateral-free business loans (Udyam Loan) up to ₹50 lakhs, and used vehicle loans (Parivahan Loan) up to ₹3 crores targeting Micro, Small and Medium Enterprises (MSMEs) in India. The company supports its lending with digital tools including online eligibility checks, EMI calculators, UPI QR-based repayments, NACH mandate management, and an e-auction platform for secured property disposals. Revenue is earned primarily through interest income on loans and processing fees.

Product overview

Ambit Finvest is an RBI-registered NBFC offering a comprehensive suite of MSME lending products. The core product portfolio consists of three main loan offerings: Vyapar Loan (secured business loan up to ₹3 crores with collateral), Udyam Loan (unsecured business loan up to ₹50 lakhs without collateral), and Parivahan Loan (used vehicle loan up to ₹3 crores covering cars, commercial vehicles, and tractors). Supporting tools include online EMI and eligibility calculators. Payment infrastructure includes UPI QR code payments and NACH mandate management for automated repayments. The company also provides an e-auction platform for secured property sales. All products are designed for quick processing, minimal documentation, and affordable interest rates targeting Indian MSMEs.

Differentiator

Problem solved

Functional benefit

Brands

• Vyapar Loan: Secured business loans up to ₹3 crores for established enterprises and startups seeking collateral-based financing for inventory, working capital, and operational expansions.
• Udyam Loan
• Parivahan Loan

Products and services

• Vyapar Loan (Secured Business Loan)

Quantifiable outcome

• AUM CAGR of over 80% since September 2018
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Lendingkart Finance LimitedcoreChannel Partner/ Reseller/ DistributorDigital lending partner handling sourcing, credit modeling, documentation assistance, servicing, recovery, customer service and monitoring for unsecured business loans. Product partnership focused on co-lending arrangements.
• Indifi Technologies Private LimitedcoreChannel Partner/ Reseller/ DistributorDigital lending partner providing platform services for unsecured business loans including sourcing, credit processing, and customer servicing as part of co-lending partnership.
• Wortgage Finance Private LimitedminorChannel Partner/ Reseller/ DistributorDigital lending partner (branded as WeRize) participating in the digital lending partner ecosystem for co-lending arrangements.
• Punjab National BankminorOthersInsurance partner of Ambit Finvest providing insurance products and services to loan customers.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Lendingkart Finance: Indian digital NBFC focused on MSME working capital and business loans. Most directly comparable to Ambit as a co-lending partner serving overlapping customer segments with similar digital onboarding and unsecured/secured product mix.
• Indifi Technologies: Digital MSME lending platform offering unsecured business loans to small businesses across India. Directly comparable to Ambit's Udyam Loan in product, customer, and digital delivery model; also an Ambit co-lending partner.
• FlexiLoans: Tech-enabled NBFC providing collateral-free business loans to Indian MSMEs and small enterprises. Closely comparable to Ambit on digital PLG funnel, unsecured underwriting, and MSME customer profile.
• Kinara Capital: Fintech NBFC lending to small businesses in India with a mix of secured and unsecured products. Comparable to Ambit's MSME focus and secured-business-loan proposition, with overlapping geographic footprint in Tier 1/2 markets.
• WeRize (Wortgage Finance): Digital lending platform serving Indian consumers and small businesses; participates as a co-lending partner with Ambit Finvest. Comparable on channel/funnel mechanics and unsecured MSME product design.

Broad incumbents

• Bajaj Finance: Largest Indian NBFC offering consumer, SME, commercial, and rural lending across multiple products. Broad incumbent benchmark for Ambit's MSME ambitions, though operating at materially larger scale and with broader product portfolio.
• Cholamandalam Investment and Finance: Murugappa Group NBFC with strong vehicle finance and SME lending books. Most directly comparable to Ambit's Parivahan (used vehicle) loan book and overall SME segment mix; operates at much larger AUM scale.
• Shriram Finance: Large Indian NBFC with deep presence in used commercial vehicle finance and SME lending. Closely comparable to Ambit's Parivahan Loan product and broader MSME focus, particularly in semi-urban and rural India.
• IIFL Finance: Diversified Indian NBFC offering gold loans, home loans, SME/business loans, and microfinance. Comparable to Ambit across unsecured business lending and digital distribution, though with a broader product portfolio and larger balance sheet.
• AU Small Finance Bank: Indian small finance bank with strong MSME, vehicle finance, and retail banking franchise. Comparable to Ambit's MSME and used vehicle loan products, but with deposit-funded cost-of-funds advantage as a bank versus Ambit's NBFC structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ambit Finvest