Our Institutional Retail Financing solutions target Originator Partners - including NBFCs, HFCs and small finance banks - operating within our core sectors to serve underbanked populations. Through our intermediate retail operations, we provide:
Direct lending facilities and borrowing guarantees to support partners' retail on-lending activities Portfolio investments with credit enhancement for securitized assets
LUCKY-HOLDINGS' flagship institutional lending platform has established partnerships with over 320 financial institutions (Originator Partners), cultivating deep sector expertise and advanced credit risk assessment capabilities through this extensive network.
Our capital markets platform connects Originator Partners with domestic and global investors through structured debt solutions, expanding their funding channels via syndicated offerings and innovative instruments. Leveraging deep sector expertise and underwriting proficiency, we architect tailored financing structures including:
We specialize in six core sectors addressing underserved market needs: microfinance, SME lending, consumer/vehicle finance, agricultural credit, and affordable housing finance - collectively representing the full spectrum of inclusive financial requirements.
Small Business Lending
Microfinance Institutions
Retail Credit Solutions
Automotive Financing
Inclusive Housing Loans
Agri-Lending Programs