The company has been conceived with the aim of providing secured income enhancement loans to small & Micro Enterprises in urban/ semi-urban India.

Most of the existing financial institutions are unable to cater to a vast number of small and micro business units /households as they have no income documents to substantiate their earnings.

It is poignant to note that despite having Jan Dhan Bank Accounts these households continue to be outside the purview of formal banking

It is common knowledge that absence of availability of formal credit to these households leads to them getting brutally exploited at the hands of the local money lenders.

Microfinance Institutions do provide small ticket size loans to such households. Such loans are based on the hugely successful Joint Group Liability Model but lack the expertise of collateral based individual lending. Further they are unable to cater to credit demands exceeding the cumulative threshold level of 1.25 Lacs.
It is this missing middle that Sarvjan seeks to provide credit so that the same can be deployed in their small businesses leading to increased monthly income

With our experience based knowledge of lending to this segment Sarvjan views this as a huge opportunity to create an impact in the lives of millions of our countrymen while via a commercially viable business model.