Evam finances the SMEs behind India's climate assets.
One relationship, from purchase order to asset sale.
RBI-registered NBFC. Typical tickets ₹1 Cr–₹100 Cr.
Too large for small-ticket credit. Too small for corporate banking. Evam finances the SMEs in between.
Lending. Mobilisation. Asset Markets.
One conversation. Three unique solutions.
Lending
Purchase-order finance, working capital, term loans and asset finance, underwritten on the cashflows and the contracts.
Mobilisation
For larger ticket sizes, we partner with like-minded lending institutions — banks, NBFCs and development finance institutions — and put the facility together.
Asset Markets
We match asset builders (who want to sell) with owners (who want to aggregate and hold). The builder gets capital back for the next project. The owner adds a verified asset to its portfolio.
Lending, mobilisation and Asset Markets use the same assessment: the cashflows, the contracts and the assets. Partner institutions do not have to build that from scratch for every SME.
Who we work with
The SMEs behind the asset.
Manufacturers. Term loans to set up and expand the unit. Working capital to run it.
Manufacturers →EPC ContractorsWorking capital against orders in hand — purchase-order finance through the execution cycle.
Contractors →DevelopersProject finance for construction. Refinance after commissioning.
Developers →C&I UsersFactories, warehouses and commercial buildings. Asset finance that turns a large upfront outlay into monthly EMIs, or opex where the business would rather not own the asset.
C&I users →Six sectors, two mandates.
Mitigation
Adaptation
Governance
The people behind Evam.
Three operators who have run risk, project finance and treasury inside Indian banks and NBFCs. A six-member board of people who have built and scaled institutions.
Board and leadership →Banks, NBFCs and development finance institutions work with Evam to build exposure to climate SMEs through co-lending and other risk-sharing structures. Partner with us →