Arth Labs

Instant loans for small merchants

Arth Labs powers India’s leading small business lender

Digital Loan Processing

Human- and paper-less lending on-balance sheet and as a platform

Android and Web Apps

Feature instant KYC check and immediate loan disbursement

Automated Decision Engine

Analyzes business data from PoS and other networks via API

200,000+ loan decisions
4,500+ loans disbursed
Funding in 30 seconds or less

Data partners

Arth Labs sources verified data on 1,000,000+ small businesses through integrations with point-of-sale, money transfer, and mobile wallet networks.

Contact ArthImpact to test lending APIs and see how you can introduce instant loans, earn revenue, and win loyalty.

New! -- The Arth Network (ARN)

Micro- and small-business lending powered by blockchain and smart contracts. Informed by 200,000+ loan applications processed.

Our team

We've founded or led pioneering institutions such as SKS Microfinance, FINO Paytech, and Airtel Payments Bank. Plus advised governments and Fortune 500 firms on strategy.

Gautam Ivatury, Co-Founder & CEO

For over 15 years, Gautam Ivatury has been at the forefront of expanding financial services in emerging markets. He has started or helped lead pioneering ventures in India and East Africa, led or chaired global funding and research programs with budgets of over $30 million, advised US-based VC and private equity funds, consulted to Fortune 500 players including Microsoft and Visa, and developed products and projects in 9 countries. Gautam’s work on the impact, design and regulation of mobile and branchless banking has also included advice to regulators in multiple countries.

After stints on Wall Street and the IFC, Gautam was the first CFO at SKS Microfinance in 2002-2003 (IPO in 2010). He then joined CGAP (at the World Bank) where he established and ran the $26 million Gates Foundation-funded CGAP Technology Program for digital finance until 2008. With partners including the founder of M-PESA, Gautam then co-founded Signal Point Partners, which incubated JipangeKusave -- Kenya's first credit/savings product on M-Pesa and the precursor to M-Shwari -- as well as M-Kopa Solar in Kenya and MeraDoctor in India.

Gautam is co-founder and Head of Product at ArthImpact, and co-founder and Chairperson of MeraDoctor/Paycillin (both in India). He is a Director and investor in fintech startups including Vaya Finserv (one of India’s fastest-growing micro-lenders), a senior advisor to Encourage Capital, and was formerly senior advisor to Accion Venture Lab and the MIX and chairperson of the GSM Association's Gates-Funded Mobile Money for the Unbanked Fund.

Manish Khera, Co-Founder

Manish Khera has been a pioneer in the Indian banking space for nearly 25 years. In 2005, while at ICICI Bank, Manish took best practices from around the world to develop the Business Correspondent (BC) model in India and founded and spun out FINO Paytech. Manish grew FINO Paytech into the country’s largest payments network serving 60MM people with small savings and government payments. Under his leadership, FINO raised $50 million from investors including IFC, Blackstone, Intel and multiple Indian banks.

In 2013, Manish co-founded and personally backed YTS, a mobile banking platform and grew it into a profitable player while larger mobile money attempts faltered. After selling YTS to Airtel in 2015, Manish became CEO of the Airtel Payments Bank, the first of India’s new payment banks licensed by the RBI to be focused on payments and savings for the mass market.

Besides leading and growing some of the biggest innovators in the Indian banking and payments space, Manish has also regularly advised or participated in government policy initiatives, such as the formulation of Business Correspondent rules and the development of Aadhaar, India’s national ID system covering nearly 1 billion people. He has been an applicant for a small finance bank and provided inputs into the development of the concept. He has also invested in multiple fintech startups in India. In 2011 Manish was selected as a Young Global Leader by the WEF.

© 2017 Cloud Digital Finance, LLC. All rights reserved. Arth Labs and ArthCloud are trade names of Cloud Digital Finance LLC.
For more information, email hello at arthlabs dot com.