Northern Arc’s platform in the financial services sector was set up primarily to provide efficient and reliable access to debt finance for under-served households and businesses.

Since its inception in 2008, Northern Arc Capital, formerly IFMR Capital, has enabled debt financing using a variety of structures, such as direct loans, securitisation, guarantees, arrangement and placement of commercial paper, bonds, debentures, and other capital markets products, across sectors like microfinance, small business loans, affordable housing finance, vehicle finance and agri-finance.

Registered with the RBI as a systemically important, non-deposit taking non-banking finance company (“NBFC”), Northern Arc has been operating in the financial inclusion space for over a decade with a business model diversified across offerings, sectors, products, geographies and borrower segments.

The company’s focus is on providing access to credit to underserved households and businesses directly and indirectly through its Originator Partners. Their business model operates with a robust risk management framework that uses a combination of proprietary quantitative data analytics and qualitative field-level insights that aids credit assessment and monitoring.