Arriba Inclusive Finance Pvt. Ltd. (AIFPL) offers credit services to MSMEs that find it difficult to access mainstream financial services. Many of these smaller businesses operate in rural and under-served regions. The AIFPL team applies years of experience combined with deep local knowledge in the design and delivery of flexible financial products for the borrower’s specific needs.

Customized products are offered at an affordable cost and enormous convenience to the end-customer. Underlying the company’s operations are a strong field-presence, depth in credit and business analysis, and seamless integration of technology and data-driven processes across all aspects of management and risk control.

Key segments serviced include retail traders, agricultural processors, light engineering services, and dairy. Loan sizes for enterprise financing or value-chain financing range from Rs. 50,000 to 10 lakhs. Pricing for AIFPL products apply a variable risk-adjusted pricing, with continuous data streams feeding into a proprietary credit-scoring and risk assessment model. Geographic focus is initially on central and north India, together with Telangana state.