The startup operates a non-banking finance platform that facilitates timely access to debt capital for businesses, enhancing their financial stability. By focusing on maximizing social and financial value, the company aims to improve the economic conditions of millions of individuals.
Funding
$15.2M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many social enterprises and businesses focused on financial inclusion struggle to access timely debt capital from traditional banking institutions due to their disruptive business models and non-traditional credit assessment methodologies. This lack of access hinders their ability to scale operations and maximize their social and financial impact.
Solution
UC Inclusive Credit (UCIC) is a Non-Banking Finance Company (NBFC) that provides creative and timely debt financing solutions to impact-focused companies. UCIC offers a range of debt products, including plain debt, sub-ordinated debt, and lines of credit, tailored to the specific needs of social enterprises. UCIC also provides structured payment options and securitization services to manage working capital, bridge finance, and project finance. By understanding the unique challenges and opportunities of social enterprises, UCIC aims to bridge the financing gap and empower these businesses to achieve scale and sustainability.
Target Audience
UCIC primarily serves social enterprises, Non-Banking Finance Companies (NBFCs) in the financial inclusion sector, and businesses operating in agriculture, education, healthcare, clean energy, and women empowerment.
Features
- Offers plain debt term loans up to 24 months for social enterprises.
- Provides sub-ordinated debt with tenures up to 66 months to high-quality, scalable NBFCs focused on financial inclusion.
- Provides lines of credit to companies experiencing cash flow mismatches.
- Offers structured payment options to manage working capital, bridge finance, project finance, and receivable finance.
- Facilitates securitization for businesses with predictable cash flows, enabling efficient capital management.
- Focuses on sectors including financial inclusion, agriculture, education & livelihood, healthcare, clean energy, and women empowerment.