Deliberate, customised credit for India's growth-stage SMEs and mid-market corporates. We invest time before we invest capital.
Too much credit in India is transactional. A business applies, a score is generated, a product is dispensed. The nuance of how a business operates rarely enters the picture.
"We invest time understanding your business before we invest capital in it."
Aterna was built to change that — an NBFC that believes the best financing structures come from spending time with a business, not processing it through a system.
Long-arc relationships — growing alongside borrowers through cycles, not exiting at the first sign of complexity.
Every deal is studied, not just scored. Sector knowledge and business model understanding matter as much as the P&L.
No off-the-shelf products. Every structure is designed around your cash flow, your sector, and your timeline.
Premium, thoughtful credit should not be the exclusive preserve of large corporations. Ambition deserves the same quality of thinking at every scale.
Fixed-tenure loans for capital expenditure, expansion, and multi-year projects — structured around your repayment capacity.
A revolving credit line that's always available. Draw, repay, redraw — aligned to your procurement and collection cycle.
Stop waiting 60–90 days for customers to pay. Convert outstanding invoices into immediate working capital.
Hybrid instruments, mezzanine financing, and custom deal architectures — designed around your specific requirement.
We co-originate with banks under the RBI co-lending framework — combining underwriting expertise with bank capital.
Working capital, term loans, and invoice discounting — structured for businesses with ₹2Cr–₹200Cr in revenue and the ambition to scale.
Custom structured credit, co-lending arrangements, and large-ticket working capital for companies with sophisticated financing requirements.
Tell us about your business and credit need. No paperwork to start — just a conversation.
Our credit team reviews your financials and understands your operating model before structuring anything.
We present a credit structure tailored to your cash flow — amount, tenure, and repayment terms.
Documentation, verification, and capital in your account. Your relationship manager stays with you through the full tenure.
No commitment required. Just a conversation about what you need — and whether we are the right fit for your business.