Supported with grants from
Invest In Someone Good
AI Powered, Pro-Social Credit Cooperatives for Supply Chains
Scalable, Anchor-led working-capital solutions for SMEs
We build and manage credit networks of lenders, borrowers, and trusting supporters. Our technology mitigates risk for lenders whilst leveraging supporter trust to improve credit access for borrowers.
Our technology enables safe, affordable & socially inclusive lending opportunities.
Highly diversified portfolios
As loans are de-risked over a network, lenders benefit from a diversified basket of smaller loans.
Strong repayment mechanism
As a borrower's supporters are most exposed to a loan, there are significant social barriers to defaulting.
Optimised interest rates
Our framework can be configured to provide the best possible interest rates for either borrowers or lenders, depending on context.
Works without traditional risk data
Formalising lending based on societal trust enables the financial inclusion of those marginalised by traditional risk models.
Enables credit identity
Formalising informal lending behaviour enables the creation of a credit identity for borrowers excluded by traditional financial institutions.
Very low transaction costs
Algorithmic underwriting and DLT-enabled disbursal and collection processes ensure miniscule transaction costs.
Products
We partner with businesses and NGOs to build independent credit networks in pre-existing communities. If external funding is needed, we arrange it through our panel of pro-social investors. We leverage the structure and data of informal credit networks to unleash embedded credit in supply chains.
For SMEs
Arboreum leverages supply chain data to enable formal credit access for SMEs throughout the supply chain
For Farmers/FPOs
Arboreum builds and manages FPO credit unions of lenders, borrowers, and supporters, enabling farmers to access formal working capital credit
For ESG Investors
Arboreum invests your funds in sector specific, safe and verified ESG debt.
Led By A Team Of Experts
The Arboreum leadership and advisory board combines years of world-class experience in technology, quantitative finance, and management advisory.
Gaurav Singhal
Chief Executive Officer
Gaurav was previously the first Lead Data Scientist at the United Nations World Food Programme, and holds MSc degrees in Economics and Information Science from the University of Michigan.
Ravi Gupta
Chief Finance Officer
Ravi is a CA and works with PWC in Transfer Pricing. He also holds and MBA from ISB.
Julius Faber
Chief Technology Officer
Julius previously worked on smart-contracts, backend and frontend at Neufund, Consensys and EthDev Berlin, he has an MS in CS from TU Berlin.
Dr. Avinash Bhardwaj
Technical Advisor
Avinash is currently a faculty member at the India Institute of Technology - Bombay, and holds a PhD in Operations Research from UC Berkeley.
Emmanuel Murray
Credit Advisor
Emmanuel has over 36 years rich and varied experience in agriculture, rural credit and micro finance, including five years as head of operations of an Impact-focussed NBFC with a portfolio of over INR 6 billion.
Prof. Igor Rivin
Mathematics Advisor
Igor is a former Regius Professor of Mathematics at the University of St. Andrews and lead developer of the Mathematica kernel, and holds a PhD in Mathematics from Princeton.