Raising working capital is a big challenge for most businesses. Micro, Small and Medium Enterprises (MSMEs) find it very difficult due to minimal resources and limited ability to provide collaterals to lenders. Even when funding is available, it’s often not enough. Our primary objective is to fulfill financing needs of M/SMEs in India.

As a registered Non-Banking Finance Company (NBFC) under Section 45 IA of Reserve Bank of India Act 1934, our aim is to solve working capital challenges through financing solutions that are timely, cost effective and collateral-free.

We are a member and also Regional Advisor of World of Open Account (WOA) community in India, an international network of trusted and experienced professionals in the business of open account trading and financing.


Co-Founder of Visolent. Career banker with close to 2 decades of experience in India and overseas.

Anand Padmanaban

Co-Founder of Visolent. Career banker with over 2 decades of experience across leading financial institutions in India.

Ravichander Varadarajan

Career Banker with over 2 decades of commercial banking experience across leading banks. Our Consulting Chief Risk Officer.

Sandeep Mathur

Part of the founding team. Career banker with over a decade of experience across leading banks in India. Our Chief Business Officer.

Girish Natarajan

IT professional & entrepreneur with over 18 years of experience across leading institutions. Our Consulting CIO.

Swaroop Mahapatra

Specialist in banking operations with years of association with leading banks.

Namita Agarwal

With decades of commercial banking experience, relevant knowledge of customer requirements and skills in providing cost-effective and technology driven working capital solutions like Factoring, the team is on a mission to establish Visolent as the most preferred working capital financing solution provider for Micro, Small & Medium Enterprises across India. The management team is guided and supported by a strong network of senior financial services professionals in India and overseas.

Advisory Board

Expert in Trade Finance and a renowned global thought leader in the area of Factoring, Forfaiting and Open Account Finance. Past President of FIM Bank and other industry associations worldwide.

Margrith Lutschg-Emmenegger

A leading figure in the Financial Services Consulting space with over 3 decades of association with global consulting firms.

Dr V V Subbarao

Eminent corporate lawyer. Has been a legal counsel for leading global financial institutions in a career spanning over 3 decades.

Anjali Seth


To be a preferred, leading provider of working capital financing and other value-added services to Micro, Small and Medium Enterprises across India.


Provide affordable, effective, suitable working capital financing and other value-added solutions that stimulate growth of businesses.