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Five Star Business Finance was started in 1984 by V. K. Ranganathan. Over the last three decades, Five Star have been working as a specialized financial services company in addressing the needs of this segment, funding the people who were perceived to be unfundable. Their customers include all the way from small shop owners, flower vendors, maids, masons to small and medium enterprises that form the backbone of India’s economy. Five Star provides small business loans to meet borrower requirements for commencing new businesses, expansion of his/ her existing businesses and to settle any unorganized dues he/ she has taken to further their businesses. The loans are given based on the company’s evaluation of the borrower household cashflows coupled against the security of the borrower’s house collateral. The typical loan ticket ranges between Rs 1 lakh to Rs 10 lakhs for a tenure between 24 and 84 months. The repayments are to be made on a monthly equated basis.