Founded in 2025 by Samit Shetty and Hitesh Saraf and based in Bengaluru, Nivasa Finance operates a distribution and fulfilment platform for affordable housing loans and loans against property (LAP) targeting non-metro markets. The startup combines technology-led workflows with on-ground field operations to support underserved borrowers—such as self-employed individuals, gig workers and small business owners—across the loan lifecycle including assessment, documentation, lender matching and disbursal. Nivasa works with more than 10 lending partners spanning banks, small finance banks, housing finance companies and NBFCs. Since launch the company says it has facilitated hundreds of loans worth over Rs 20 crore across Mysore and Mandya in Karnataka. Following its $3 million seed raise, Nivasa plans to expand geographically, strengthen its distribution network, deepen lender partnerships and pursue the possibility of obtaining an NBFC licence.

Total raised

$3M

Funding rounds

1

Latest round

Seed

Latest activity

May 2026