Capital Introduction Platform

Growth capital for businesses banks won't fund — from investors who want in.

Nirmaan Equity connects small and medium businesses directly with individual investors. No collateral demands, no months of waiting, no confusing paperwork. Just a clear application and a real conversation with someone who wants to fund you.

Apply for Capital → See How It Works
In One Picture
A business
needs capital to grow
Nirmaan Equity
screens & verifies
An investor
funds it directly

This is called peer-to-peer lending — money moves directly from a person with capital to a business that needs it, without a bank sitting in the middle. Think of it as a structured version of the pitch you'd give on Shark Tank, minus the cameras.

Direct
Business to investor, no bank in between
Verified
Every business screened before introduction
Your Terms
We never touch or hold your money

First, A Story

One machine, one saver, and a gap only the two of them could close.

Anjali runs a small textile-finishing unit. Orders are up 40% this quarter, but her old dyeing machine can't keep pace — a second unit would let her take every order coming in. She has 18 clean months of revenue to show for it. What she doesn't have is property to pledge, so three banks turn her down before she finishes explaining the business.

Across town, Rohan has savings sitting in an account earning almost nothing. He isn't a venture capitalist — he just wants his money to fund something real instead of sitting idle, and he'd rather back a business he can understand than gamble on the market.

Anjali and Rohan never meet a bank. They meet each other, through us. We verify her registration, her numbers, and her plan for the machine — then show Rohan exactly what we checked. Twelve days later, Rohan purchases the new dyeing machine outright under a formal agreement with Anjali, in exchange for a fixed share of the extra revenue it generates over 12 months.

ROHAN INVESTS Months 1–6 Months 7–12
Before the new machine After Rohan's investment

Anjali's monthly revenue grew roughly 80% in the six months after her second machine came online — the ask she made in her application, funded by one investor's decision.

The Process

Four steps. No surprises.

Every business and every investor goes through the same disciplined path — so trust is built into the process, not promised after the fact.

01

You apply

Tell us about your business in plain terms — what it does, how it earns, and how much capital you need.

02

We verify

Our team checks your numbers, your story, and your intent — so investors can trust what they're seeing.

03

We match

We introduce your business to investors whose interests and check size actually fit what you need.

04

You talk directly

No middleman in the negotiation. You and the investor agree on terms that work for both of you.

Read the full walkthrough →

Two Sides, One Platform

Whichever side of the table you're on, this is built for you.

Running a business?

Get your business investor-ready, get matched with the right capital, and keep control of the terms you agree to.

Looking to invest?

Skip the noise. See pre-verified MSMEs across six sectors, with the diligence work already done for you.

Where We Operate

Real businesses, in sectors that run the everyday economy.

Manufacturing

Small factories and workshops scaling production capacity.

Agriculture

Farm-to-market businesses, processing, and agri-supply chains.

Retail

Local and regional retail brands expanding their footprint.

Technology

Early-revenue tech businesses outside the venture-funding track.

Logistics

Transport, warehousing, and last-mile delivery operators.

Services

Professional and consumer service businesses with steady demand.

Ready When You Are

Start the conversation about your capital.

It takes about ten minutes to apply. There's no fee, no obligation, and no jargon in the form.

Apply for Capital → Talk to Our Team

How It Works

Anjali needed a machine. Rohan had savings going nowhere. Here's what happened.

Rather than start with financial jargon, we'll walk through one real kind of match, start to finish — then show you exactly what we check before we ever make an introduction.

The Idea, In One Story

Forget the textbook definition. Here's what actually happened.

Anjali's textile-finishing unit needed a second dyeing machine to keep up with 40% more orders. She had 18 months of clean revenue — no collateral. Three banks passed. On Day 1, she filled out one application describing exactly that: the machine, the cost, and the orders waiting for it.

By Day 5, our team had checked her registration, her bank statements, and her numbers. By Day 9, we'd matched her to Rohan — an investor already looking for manufacturing businesses in her funding range. By Day 12, they'd spoken directly and agreed on terms: a fixed return over 12 months, no equity given up.

The formal name for this is peer-to-peer lending — a business raising capital directly from another person instead of a bank. We only sit in the middle long enough to verify both sides are exactly who they claim to be.

Anjali's Timeline, Start To Funded
Day 1 Applies, describing the machine and the orders it unlocks
Day 5 Registration, revenue, and bank statements verified
Day 9 Matched to Rohan, already seeking manufacturing deals
Day 12 Terms agreed directly — fixed return, 12 months, no equity
Day 14 Capital moves directly from Rohan to Anjali

No bank ever entered this picture — and Anjali's revenue grew roughly 80% in the six months after the machine arrived. That's the whole idea, told the way it actually happens.

For Comparison

The same machine, financed the other way.

Here's what Anjali's three bank rejections looked like next to what actually worked.

Weeks
A bank decision either way, vs. 14 days start to funded here.
Collateral
Banks needed property to pledge. Investors here judged the business itself.
Fixed Rules
A bank's checklist doesn't bend. Anjali and Rohan negotiated their own terms.
One Relationship
Not a loan officer — a specific person who understood the machine and the orders behind it.

Before You Go Further

The questions everyone asks first.

Is this the same as a bank loan?
No. A bank lends its own money under fixed rules it sets alone. Here, an individual investor decides — case by case — whether to fund a specific business, and the two sides agree on their own terms.

What does the investor get in return?
Usually interest on their money (like a private loan) or a small ownership stake in the business (like an equity investment) — whichever the two sides agree on before any money moves.

Does Nirmaan Equity hold or manage the money?
No. We never touch, hold, or move funds. We verify both sides and make the introduction; the transfer of capital happens directly between the business and the investor.

Is my money — or my business data — guaranteed safe?
We can't guarantee investment outcomes; no one honestly can. What we do guarantee is that every business on the platform is verified before it's introduced to a single investor.

The Process, In Order

What actually happens, from application to funding.

01

Business application

You fill out one form describing your business, your revenue, and how much you need. Takes about ten minutes.

02

Verification review

Our team checks your registration, revenue history, and the story behind the numbers — so nothing gets exaggerated on either side.

03

Investor matching

We compare your profile against investors actively looking in your sector and funding range, and make a warm introduction.

04

Direct conversation & terms

You and the investor talk directly, agree on terms, and close the deal between yourselves — we step back at this point.

Which Side Are You On?

Two clear paths from here.

I run a business

See what makes a business investor-ready and what the application actually asks for.

I want to invest

See how deals are sourced, screened, and presented before you ever see one.

For Businesses

Capital exists. Most businesses just can't reach it.

Banks are built to fund businesses that already look safe on paper. If your business is growing but doesn't fit that mould yet, this is built for you instead.

The Problem

Why good businesses still get turned away.

Most small and medium businesses are asked for years of audited financials, physical collateral, and a credit history that a young or informal business simply hasn't had time to build. None of that means the business is a bad bet — it just means it doesn't fit a bank's checklist.

Collateral
Banks ask for it. Investors here judge the business itself.
Paperwork
Audited history banks expect vs. a straightforward application here.
The Wait
A slow bank decision either way, vs. a faster investor introduction.
The Terms
Fixed bank rules vs. terms you and the investor agree on directly.

What You Get

Get ready for the capital conversation.

  • An honest readiness reviewWe tell you plainly what strengthens your case and what an investor will ask about — before you're in front of one.
  • Introductions that actually fitWe match you to investors already interested in your sector and funding range, not a mass mailing list.
  • No collateral requirementInvestors here decide based on your business and its numbers — not on what you can pledge as security.
  • You keep control of the termsWe make the introduction; you and the investor negotiate directly and agree only to terms you're comfortable with.

Before You Apply

What makes a strong application.

Every business is scored on the same four pillars investors see on your profile — the Nirmaan Score. Here's what strengthens each one.

Clean financial records

Six to twelve months of bank statements and honest revenue and expense numbers — even if modest, consistency matters more than size.

No hidden liabilities

Disclose existing loans and any past default upfront. It's weighed in context, but surprises later cost you far more trust than the truth does now.

A specific ask

Know exactly how much you need and what it's for — equipment, inventory, hiring, or expansion — and how it turns into revenue.

An operating history

Even 12–18 months of real trading activity gives investors something concrete to evaluate against your sector.

See the full scoring model and tiers →

Ready to see where your business stands?

The application takes about ten minutes and costs nothing to submit.

Apply for Capital →

For Investors

Source quality, not noise.

Every business you see here has already been through a verification process — so your time goes into evaluating opportunities, not filtering out unqualified ones.

Why It's Different

You're not browsing a marketplace of unverified pitches.

  • Pre-screened businesses onlyRegistration, revenue history, and the founder's story are checked before an introduction is ever made.
  • Matched to your criteriaTell us your sector interest and check size once; we bring opportunities to you, not the other way around.
  • Direct negotiation, your termsWe introduce; you and the business agree on interest rate, equity, or structure without a middleman taking a cut of the deal itself.
What We Check, Before You See A Deal
✓ Registration, legal structure & ownership
✓ Bank statements, revenue & cash flow history
✓ Existing liabilities & repayment conduct
✓ Specific, verifiable use of the requested capital
✓ Founder background and references

Our Framework

The Nirmaan Score: how we rank every business before you see it.

Our screening is modeled on how established SME digital-financing platforms in Singapore and Malaysia — the region's most mature peer-to-peer business-lending markets — underwrite borrowers: risk-graded on bank-statement cash flow, verified registration, use-of-funds discipline, and repayment conduct, adapted for MSMEs earlier in their journey. We're an independent platform and not affiliated with any of them; we simply built our checklist on what already works.

Financial Health & Cash FlowBank statements, revenue consistency, debt-to-revenue
30%
Repayment & Credit ConductExisting liabilities, past defaults, guarantor standing
25%
Use-of-Funds ClarityA specific, verifiable plan for the capital requested
25%
Operating Track RecordTime in business, sector stability, team
20%

Identity and registration verification is a pass/fail gate that happens before scoring even begins — a business that can't prove who it is never reaches the four pillars above, regardless of how strong its numbers look.

01
Identity & registration check — gate
We confirm the business is legally registered, that the applicant is authorised to represent it, and that ownership is as declared.
02
Financial health review — 30%
Bank statements and revenue history are checked for consistency, seasonality, and existing debt load — not audited to Big Four standard, but sanity-checked against real transactions.
03
Repayment conduct — 25%
We ask directly about existing liabilities and any past default, and weigh it against the size and structure of the current ask.
04
Use-of-funds clarity — 25%
We require a specific answer for what the capital is for and how it converts into revenue — not a vague growth narrative.
05
Operating track record — 20%
Time in business, sector conditions, and team background round out the picture.

What You'll See On Every Listing

Every introduced business carries a tier, not just a pitch.

Scores below our minimum bar aren't introduced to investors at all — they're sent back with specific, actionable feedback instead.

Tier A
80–100

Priority Verified

Strong, consistent financials, clean repayment history, and a tightly specified use of funds. Introduced first.

Tier B
65–79

Verified

Solid fundamentals with one or two areas — often shorter operating history — that carry proportionately more risk.

Tier C
50–64

Verified, Early Stage

Clean and honest, but earlier in its journey. Flagged clearly as higher-risk so you can price that into your terms.

Interested In Sourcing Deal Flow?

Tell us what you're looking for.

Share your sector interest and typical check size, and we'll reach out when a matching business is verified.

Register Your Interest →

About

Built on research, not just ambition.

Nirmaan Equity is led by a founder whose work moves between economics research, financial technology, and financial journalism — each oriented around the same question: how capital and financial knowledge can reach the people who are furthest from them.

Jagrit Kanodia, Founder

Jagrit Kanodia

Founder, Nirmaan Equity

Jagrit is a student researcher, entrepreneur, and economics writer focused on expanding access to capital and financial knowledge in Nepal. His work spans economics research, financial technology, financial journalism, and social impact initiatives — each built around closing the same structural gap from a different angle.

Outside of Nirmaan Equity, he has worked on energy policy research with IIT Bombay, contributed to comparative economic anthropology research with Oxford-affiliated researchers, and published economics and policy commentary in national media.

"Capital should not be limited by access. The most promising businesses are often those closest to the communities they serve."

— Jagrit Kanodia, Founder

Current Initiatives

Other work by the founder.

The Himalayan Economist

Founder & Chief Editor

An economics publication focused on finance, markets, policy, and business in Nepal.

SajiloBudget

Founder & Developer

A personal finance platform helping users track expenses and build financial literacy through data-driven insight.

Red Aid Foundation

Founder

A nonprofit organizing blood donation campaigns and public health outreach programs.

Research & Publications

Background reading, if you're curious.

01
Pumped Hydro Energy Storage

Research Assistant on policy and investment research conducted with IIT Bombay.

02
Comparative Economic Anthropology

Research Scholar collaborating with Oxford-affiliated researchers.

03
Income Inequality & Urbanization in Nepal

Co-author of a peer-reviewed research paper.

04
Policy & Economics Journalism

Published economics and policy articles in national media.

Have questions before you apply?

Contact the Team →

Submit Your Business

Start the conversation.

Takes about ten minutes. There's no fee to apply, and no obligation once you've submitted. Your responses go straight to our review team.

Business Identity
Founder & Contact
Financial Snapshot
The Ask
Documents
Submissions are reviewed within a few business days.

Thank you.

Your application has been received. Our team reviews every submission personally — expect to hear from us within a few business days.

Looking to invest instead? Register your interest here.

Get In Touch

Speak with our team.

Whether you're a business, an investor, or just curious how this works — reach out directly, or use the form below to register investor interest.

Email
kanodiajagrit@gmail.com
Phone
+977 985 107 6004
LinkedIn
/company/nirmaan-equity
Office
Kathmandu, Nepal

Investor Interest

Tell us what you're looking for.

Share your sector interest and typical check size. We'll reach out personally when a matching business is verified — no spam, no mailing list.

We typically respond within a few business days.

Thank you.

We've received your details and will be in touch when a matching opportunity comes up.