Technology-enabled finance for India’s underserved businesses.
Tiren’s Financial Entrepreneur Network (FEN) is a technology-enabled distribution and servicing model that brings together local Financial Entrepreneurs/Community based organizations, institutional lenders and Tiren’s technology and operating platform.
- We combine technology, data, institutional partnerships and local market intelligence to make business finance more accessible, appropriate and responsible.
- Our model connects regulated financial institutions with underserved businesses through technology-enabled systems, human touch and skills upgradation.
- We focus on entrepreneurs and MSMEs in rural, peri-urban and emerging business markets where local relationships and business understanding remain critical.
Our Philosophy
- Technology with purpose — simplify finance and improve decision-making of all stakeholders.
- Partnership over ownership — work with strong people institutions to create scale and shared responsibility.
- Responsible growth — sustainable growth of all stakeholders is more important than short-term disbursement in maximizing profit.
- Data + human intelligence — combine technology and analytics with local business understanding.
- Entrepreneur first — understand the business before designing the credit solution.
To make financial services more accessible to self-employed entrepreneurs who are building India’s next generation of small businesses, driving sustainable growth and creating more self-employment opportunities.
Build a technology-led financial services platform that becomes a trusted bridge between financial institutions and underserved businesses. A society that provides opportunities to youth with aspirations, especially those in the informal sector.
Building a network of Financial Entrepreneurs to take formal finance closer to underserved businesses.
Tiren’s Financial Entrepreneur Network (FEN) is a technology-enabled distribution and servicing model that brings together local Financial Entrepreneurs, institutional lenders and Tiren’s technology and operating platform.
The model enables experienced local entrepreneurs and community-embedded partners to build a scalable financial-services franchise, while Tiren provides technology, products, credit processes, training, operations and portfolio intelligence.
- Ecosystem-led sourcing — Financial Entrepreneurs and institutional ecosystem partners create local access to MSMEs and entrepreneurs.
- Local market intelligence — FEN partners bring trusted relationships and field-level understanding of businesses and borrowers.
- Lean distribution — the model is designed to expand reach without replicating a branch-heavy field structure.
- Technology-enabled execution — Tiren provides the central technology, credit processes, workflows and portfolio visibility.
- Aligned economics — FEN partners are compensated for successful business origination in line with the agreed commercial model and applicable policies.
Dual-layer underwriting rigor — even when leads are pre-sourced.
Technology-enabled credit decision support
Technology improves speed, consistency and monitoring across every lead, the moment it enters the pipeline, regardless of which ecosystem channel it came from.
Field verification
Human intelligence provides business context and field-level verification — full institutional accountability on every loan decision.
The Financial Entrepreneur Network: a platform for full financial inclusion.
The FEN is not just a credit distribution channel — it’s a trusted, community-embedded financial touchpoint that can evolve into a full-service financial platform over time.
Insurance
Distributing life, health, crop, and asset insurance products to underserved rural households.
Investments
Enabling micro-SIPs & mutual fund onboarding
Business development
Providing rural MSMEs with market linkages, business planning support, and growth advisory.
Technology at the core of MSME credit.
We assess MSMEs beyond credit history, understand their future plans, and provide tailored loans for their specific needs with end-to-end support. The local intelligence helps us understand businesses beyond what a purely digital model can see to maintain good relationship with the customers.
Assess
Understand business needs and plans
Design
Create a tailored credit solution
Deliver
Provide loan for specific needs
Support
End-to-end support for growth and success
Our End-to-End MSME Lending Model
Assess & Discover
Evaluate business, operations and future plans
Plan & Evaluate
Assess potential, repayment capacity and goals
Tailored Solution
Design loan solution as per need and business plan
Approve
Digital verification and quick approval
Disburse
Disburse funds for the defined purpose
Monitor
Track performance and business health
Support & Advise
Provide advisory, capacity support and connections
Repay & Grow
Enable smooth repayment and future readiness
Technology & Innovation Backbone
Building scale through strong institutional partnerships.
Tiren works with established financial institutions and ecosystem partners to expand access to responsible credit and financial services.
Sanghamithra Rural Financial Services
- Partnership to expand access to credit for underserved businesses through SIDBI Prayaas
- SRFS provides an established financial-services ecosystem and an important origination and servicing channel
- Tiren builds technology, distribution and operating capabilities around the partnership
Jana Small Finance Bank
- Partnership to expand access to formal financial services
- Tiren supports distribution and customer access through a technology-enabled operating model
Aloysius Prakash Fernandez
Founder & Chairperson (Executive Director)
Mr. Arvind G. Risbud
Executive Director & I.A.S. (Retd.)
Mr. S. C. Srinivasan (Srini)
Independent Non-Executive Director
Thirunavukkarasu Rajendran (Thiru)
Co-founder & Chief Executive Officer
Questions about Tiren, the FEN model, or our institutional partnerships — reach out and our team will get back to you.
Bangalore North, Bangalore, Karnataka, 560071, India
Email: info@tiren.in
