Aterna comes from Aeternum — Latin for eternal. It is not just a name. It is the commitment we make to every borrower we work with.
Too much credit in India is transactional. A business applies, a score is generated, a product is dispensed. The nuance of how that business actually operates — its cycles, its relationships, its ambitions — rarely enters the picture.
"The best financing structures come from spending time with a business — not processing it through a system."
Aterna Capital was founded to change that. We are an NBFC built on the belief that credit should be deliberate, lasting, and deeply customised.
Before we structure a deal, we understand a business. Before we price a loan, we study a sector. Before we disburse, we know your name — not just your CIN.
This takes more time. We believe it is worth it — for us, and far more so for you. Our portfolio reflects this. We hold fewer, deeper relationships.
Aterna Capital Private Limited is registered with the Reserve Bank of India as a Non-Banking Financial Company. All lending activities are conducted in full compliance with applicable RBI regulations.
RBI Reg. No. B-14.01415 · Registered office: Flat No. 809, Padma Tower II, Rajendra Place, New Delhi 110008
We build relationships meant to last beyond the first loan. Our measure of success is a borrower who returns — not one who just repays.
We read beyond the numbers. Sector knowledge, business model understanding, and management assessment are as important as the P&L.
We do not force your requirement into our product — we build the product around your requirement. Every credit structure is designed for its borrower.
Premium, thoughtful credit should not be the exclusive preserve of large corporations. SMEs with ambition deserve the same quality of thinking.
Work with us
If you are looking for a lender who invests time before investing capital — let us talk.
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