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India's 6 crore+ MSMEs are the absolute backbone of the economy, yet traditional banks completely ignore them. This leaves millions of Tier 2+ small business owners trapped in the ""missing middle"" paradox: they are too big for tiny microfinance loans, but too small to easily get a large bank loan without mortgaging their life away. Founded on a decade of ground-level lending experience, we are fixing this broken system. We have introduced a brand-new approach to credit: Bharat’s First “Household Liability Group (HLG)” Architecture. Instead of relying on rigid, outdated corporate banking checklists that fail in rural India, our hybrid model turns invisible local data points into measurable credit scores. By blending village economics, psychology, and local social structures with paperless digital underwriting, we skip the corporate blind spots. We are finally giving India’s grassroots entrepreneurs access to right-sized business loans—proving that when you understand the true reality of Bharat, managing risk becomes simple.
Legal Name
:
Finarva Private Limited
Headquarters
:
Bangalore, Karnataka, India
Business Model
:
Founding Date
:
2025
No. of Employees
:
<10
Core Team
:
1.
Gopi Shankarappa
Founder
2025
Company Incorporation
Finarva Private Limited was officially incorporated on December 15, 2025, as a registered Private Limited Company under the Registrar of Companies (RoC) in Bengaluru, Karnataka.
2026
Started Generating Revenue
Finarva has successfully achieved early commercial validation, generating a monthly revenue of ₹2.5 Lakhs. While operating on a small base today, this ground-level traction proves the unit economics of our HLG credit architecture.
B2B
Our target segment consists of Tier 2, Tier 3, and rural MSMEs—specifically unorganized micro-business owners and small retail merchants who are locked out of formal banking due to traditional underwriting blind spots
Client Segment
:
FinTech
Target Companies
:
Small Enterprise,
Medium Enterprise
Target Geography
:
Frequently Asked Questions
