2. About us
• Bulwark Capital founded in 2017
• Got NBFC licence from RBI in 2018
• Presently we are operational in Delhi NCR
and Bhadrak (Odisha).
• Offers lending solutions to both small
business and low salary private individual at
low cost and low monthly EMI’s.
• Till date we have disbursed around 8.70 Cr
to around 800 customers.
• The ticket size ranges from Rs.10,000 to
Rs.1,00,000.
3. Our Vision
• To financially empower Indians from remote area or
those without a credit score who traditionally comprise
some of the most unbanked and underserved
segments across the country.
• To provide loans at a price, small businesses can afford
to pay back and an opportunity to serve this under-
served market.
• To make the loan process simple and fast so that small
business owners can focus on what they do best:
running their business.
• To extend credit across key sectors that are crucial for
improving India’s social infrastructure. especially in
these Covid times.
• To blend technology and personalisation, so the loan
process is easy and hassle-free.
• Simply put: our customers always come first.
4. OUR PROMOTERS
CHAIRPERSON
Taxation Lawyer by Profession with 35 years of experience in Revenue Department of Haryana as a Gazetted Officer
Having great understanding of business finance and economics.
Tarsem Sharma
Dinesh Sharma
Mohit Raj Sharma
DIRECTOR
An Entrepreneur with 20 years of experience in constructing and providing Warehouse and Office space to MNC’s
15 years of experience in handling of Petrol Pump Dealership. A very active, creative and a person with great Management skills.
DIRECTOR
A Lawyer by Profession having experience of more than 9 years of consulting in various laws including fiscal laws.
With 10 years of experience in marketing and distribution of Pharmaceutical products
Having great business acumen off visualising and understanding business ventures. He has been a sound investor and entrepreneur.
5. SPECIALISED PRODUCTS
We are presently focusing on only two products with ticket size of Rs 50,000 for small business owners and Rs 1,00,000 for individuals with minimum take home salary of Rs. 15,000
Rs.50,000 LOAN TICKET
TENURE EMI
12 MONTHS Rs. 4750
18 MONTHS Rs. 3500
REQUIREMENT
CIBIL SCORE ABOVE 650
BANK STATEMENT 6 MONTHS
BUSINESS PROOF SHOP, COMMERCIAL
VEHICLE RC, Etc.
ADDRESS PROOF ELECTRICITY OR
OTHER UTILITY BILL
Rs. 1,00,000 LOAN TICKET
TENURE EMI
18 MONTHS Rs. 6750
24 MONTHS Rs. 5500
REQUIREMENT
CIBIL SCORE ABOVE 650
BANK STATEMENT 6 MONTHS
SALARY PROOF SALARY SLIP OR
BANK STATEMENT
ADDRESS PROOF ELECTRICITY OR
OTHER UTILITY BILL
The borrower chooses which offer he thinks is best based on his risk preference and time horizon.
6. MARKET OPPORTUNITY
•The financial services industry is broken, it's
too expensive and inaccessible to the people
who need it most.
•We look for people who are self employed as
shopkeepers, auto drivers, etc or work at a
very low level in a company like security
guards, cleaning staff, etc who need loan but
have zero credit history and no savings but
still make enough to pay back a small ticket
size loan.
•There are more than 100 million shopkeepers
in India and about 500 million low level
employees, most of them don’t have access to
credit.
7. USE OF FUNDS
•Expand technical infrastructure.
•Build the technology team.
•Enhance underwriting models.
•Strengthen the team through fresh
recruitments.
•Expand into other Tier I and Tier II cities.
•Provide a full range of financial services to
the ‘economically active poor’ who are not
adequately served by other financial
institutions.
•Build mobile app for quicker and paper
less loan application and approvals.
