Our vision
To be India's most trusted, accessible finance partner for entrepreneurs, delivering affordable credit solutions that drive long-term business success.
About us
Empowering small businesses and entrepreneurs with fast, accessible, and transparent credit solutions.
Who we are
We're in the business of helping you start, revive and grow your business
Vinayana Investment & Finance Limited is an RBI-registered, non-deposit-taking NBFC. Headquartered in Lucknow since 2020, we provide accessible loans and credit solutions to small and medium entrepreneurs across semi-urban and rural markets.
Our mission is to deliver fast, affordable, and transparent financing that empowers local shopkeepers and business owners to expand, generate income, and build lasting financial stability.
- Happy customers
- 8,000+
- Total manpower
- 220+
- Operational states
- 4
- Coming soon in 4 more states
- +4
- Secured structured loans
- Launching
We empower small business owners with fast approvals, transparent pricing, and dedicated doorstep support to help their enterprises succeed.
Our mission
To provide fast, honest, and affordable financial services that empower small business owners to grow with complete confidence.
Where we're headed
Our goal
- Deliver timely credit to semi-urban and urban micro-entrepreneurs.
- Scale responsibly while maintaining strict portfolio and service quality.
- Provide dependable, delightful service through empowered local branch teams.
- Empower more than 25,000 growing businesses over the next 5 years.
What we offer
Features of financing by Vinayana
Business expansion
Deploy borrowed funds directly into inventory, machinery, or working capital to boost day-to-day income.
Easy credit access
Fast, accessible loans designed for local shopkeepers without cumbersome bank bureaucracy.
Savings discipline
Structured, transparent repayment schedules that help build financial discipline and healthy credit history.
Economic growth
Empowering neighborhood businesses boosts local earnings and creates wider community prosperity.
Responsible lending
Strict adherence to RBI guidelines with upfront pricing, no hidden costs, and ethical recovery practices.
Microfinance
Why microfinance matters
Microfinance provides essential credit to small business owners and shopkeepers who lack access to traditional banking, unlocking inventory, equipment, and cash flow.
- 01
Tailored for your business
Flexible loan sizes with daily or monthly repayment schedules matched to your actual cash flow.
- 02
Last-mile doorstep service
Local field officers visit your premises directly for onboarding, documentation, and collections.
- 03
Community empowerment
Accessible capital helps neighborhood merchants expand earnings and create local employment.
In our words
What we believe
Empowering small businesses to start, scale and thrive
Securing financial peace of mind for you and your family
Happiness lies in the joy of entrepreneurial achievement
Making a lasting difference through inclusive finance
Financing that turns your business vision into reality
Partners
Our partners
Lending, service, banking and insurance partners who work with Vinayana.
Our debt & lending partners
Our service partners
Our banking partners
Our insurance partners
Other partners
Ready to grow your business with us?
Talk to our team about the loan that fits your shop or business. Call us toll free, or leave your number and we'll call you back within the same working day.