BlackSoil

OTO Capital is a software platform designed to facilitate vehicle ownership and purchase. It collaborates with banks and non-banking financial companies to offer financing solutions for customers. The platform manages the entire auto lifecycle, encompassing credit underwriting, insurance, maintenance, and the eventual resale of vehicles. Additionally, OTO provides automotive leasing services that present convenient alternatives to outright vehicle purchases. Through various installment plans, customers can acquire vehicles and have the option to return them after a specified period, making it a flexible and affordable choice for personal transportation.

RevFin is a digital lending fintech company based in Delhi, India, founded in 2018 by Sameer Aggarwal. The company specializes in providing convenient and accessible loans through its innovative platform, which features a revolving credit limit that users can utilize and repay at their convenience. In addition to flexible borrowing, RevFin offers a rewards program that allows customers to earn points for timely repayments, referring friends, or simply logging into the application. This user-friendly approach enables individuals to access loans anytime and anywhere, facilitating the funding of over 12,000 electric vehicles while maintaining non-performing assets (NPAs) of less than 2%.

LivFin is a non-banking financial company registered with the Reserve Bank of India, focused on providing financial solutions to small and medium enterprises (SMEs) in India. The company specializes in offering small business loans, supply chain finance, and working capital loans, with an emphasis on collateral-free credit to support business owners. LivFin has developed a loan management platform that enables SMEs to access various financial services, including purchase and sales invoice financing. This platform is designed to facilitate the procurement of working capital, allowing businesses to manage their critical operations effectively.

Orange Retail Finance is a non-banking finance company that specializes in providing easy access to two-wheeler loans. The company aims to serve salaried and self-employed individuals, particularly in semi-urban and rural markets, by offering customized vehicle and cash loan products tailored to meet the diverse financial needs of households. Through its services, Orange Retail Finance seeks to enhance the financial well-being of its customers and contribute positively to their communities.

Aviom India Housing Finance Pvt Ltd. is a housing finance company based in New Delhi, India, founded in 2016. The company specializes in providing home loans to individuals, particularly targeting families in semi-urban areas. It offers financial assistance for various housing needs, including home purchases, improvements, extensions, and construction. Aviom is notable for its ability to provide home loans without requiring income documentation, making it accessible to families from semi-formal and informal sectors. Additionally, the company provides short-term business loans, loans against property, and legal and technical counseling, enabling low-income individuals and families to obtain the necessary capital for building or renovating their homes. Aviom operates additional offices in several cities, including Ajmer, Bhilwara, and Jodhpur, expanding its reach to a broader clientele.