About Niyara Capital
Niyara Capital Solutions is a financial services company with a clear mission — to empower India’s Micro, Small, and Medium Enterprises (MSMEs) by bridging the critical gap between their growth aspirations and access to timely capital.
At Niyara Capital, we are creating an institution with systems and processes that will allow easy access to capital, in a simple, fast and reliable manner.
By focussing on the underserved MSME Sector, of Bharat, we are committed to fuel sustainable growth and economic progress for all.
The MSME sector in India is currently underserved and requires innovative credit and capital solutions, Niyara Capital Solutions intends to provide comprehensive solutions to Small and Medium Enterprises particularly with initial focus on Micro enterprises.
Why Choose Niyara Capital?
Quick Turnaround Time
24 working hours for the disbursements of loans to you.
Simple Documentation
Smooth and swift onboarding process without any hassle for tedious documentation process.
Tailored Loans
Loans tailored in the aspects of tenure, amount.
Phygital Distribution Network
With our combination of physical & digital distribution network, we are able to assist our borrowers in person.
Deep Expertise
Our team has extensive experience & expertise in the MSME lending space and hence understand the nuances of it.
Ethical and transparent
Ethical and transparent process are cornerstone of our dealings with our customers.
Our Products
Micro Enterprise Loan
- Funding for early-stage and small-scale businesses.
- Ideal for managing working capital and operational needs.
- Quick, simple, and transparent application process.
Small Enterprise Loan
- Growth capital for expanding small businesses.
- Supports business expansion and equipment purchases.
- Flexible terms to match your business cycle.
Medium Enterprise Loan
- Substantial funding for established enterprises.
- Designed for large-scale projects and strategic initiatives.
- Structured to support long-term growth ambitions.
Invoice Financing
- Unlock immediate cash from your unpaid invoices.
- A flexible solution to improve your cash flow and liquidity.
- Manage short-term finances without taking on new debt.
Industries We Serve
Retail
Supporting small shops and local businesses with flexible financing to keep their shelves stocked and businesses thriving.
Manufacturing
Helping MSME manufacturers with funds for machinery, raw materials, and scaling production.
Services
Empowering service providers like salons, repair shops, and agencies with working capital for daily operations.
Trading & Distribution
Financing traders and distributors to manage bulk purchases and smooth cash flow.
Hospitality & Food
Backing restaurants, food outlets, and hospitality businesses with loans tailored to seasonal and operational needs.
Auto- related
Supporting auto garages, spare parts shops, and transport businesses with easy and quick funding.
Apparel & Fashion
Providing capital for boutiques, tailoring units, and fashion traders to expand collections and meet customer demand.
Others
Small canteen owners, beauty Parlors, furniture makers and such B2C retail businesses which require working capital support.
Success Stories
Our Partners
Why Worry When You’re Covered?
Tied-Up with “Ageas Federal Life Insurance” to ensure that you and your loved ones are taken care of.
RE Partner
Emkay Consultants Limited is an NBFC regulated by RBI.
Associations of Niyara Capital
Member of FACE – India’s RBI Accredited Fintech SRO
We are a member of FACE (Fintech Association for Consumer Empowerment), the RBI-recognised self-regulatory organisation for fintechs (SRO-FT) in India. Through this affiliation, we adhere to the highest standards of integrity, compliance, and consumer empowerment.
DPIIT Start up
Niyara Capital Solutions Private Limited incorporated as Private Limited Company is a startup recognized under Department for Promotion of Industry and Internal Trade (DPIIT).
Frequently Asked Questions
What is an MSME loan?
MSME loan stands for Micro, Small, Medium Enterprise loan which is given to the Micro, Small& Medium Enterprises who fit according to the definition of the Ministry of Micro, Small & Medium Enterprises. These loans are for their various business needs like working capital, business expansion, equipment purchase etc.
What is the eligibility criteria for applying for an MSME loan?
Each borrower is accessed based on their financial, business and other credit parameters set by each of the lending financial institutions. Credit parameters includes bureau scores, past bounces, banking etc.
I have never availed any loan in the past. Am I eligible for a loan?
Yes, new to credit customers are also eligible for loans subject to they meeting other parameters.
My Bureau score is below 650. Can I still get a loan?
Yes, bureau score is an important parameter however it’s not the only parameter that the customer ‘s eligibility is assessed. Many financial institutions including us, have other criterias based on which the eligibility decision is done. However, bureau scores below 400 is not eligible as per our credit parameters.
Can I apply for a loan if my business is less than one year old?
Yes. However, this may be a critical credit parameter for many lending institutions, including us.
Can women entrepreneurs apply for MSME loans?
Yes, Niyara Capital as an institution encourages women entrepreneurs to apply for business loans and fulfil their capital requirements.
Do you provide loans in rural and semi-urban areas?
Yes, we do provide loans in rural and semi- urban areas based on our branch presence or our partner lending institutions branch prescence.
Do you provide loans to businesses without formal income proof?
For Micro loans (up to INR 3Lacs), there are other surrogate income calculations to assess eligibility. However, over a certain limit, formal income proofs will be necessary.
Is GST registration mandatory to apply?
No, GST registration is not mandatory to apply for a micro loan. However, for loans above a certain limit, GST registration will be mandatory.