Funding To Secure
  • Business
  • Growth
  • Future
  • Family
  • Employees
  • Community

Innovative Credit Solutions Tailored for MSMEs

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Empowering Small Businesses with Easy Access to Credit

  • MSME Focused Retail Lending NBFC registered with RBI
  • Collateral backed Secured Business Loans
  • 7000+ borrowers
  • 70 locations in Andhra Pradesh, Telangana, Karnataka
  • Banking the unbanked regions of the country
  • Financial Inclusion at the heart of IREP’s tailor-made credit solutions
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IREP’s Key Pillars of Success

Innovative Credit Solutions Tailored for MSMEs

Latest Technology + ‘Phygital’ Business Model

Doorstep Delivery of Loans with Superior Customer Service

Last Mile Coverage with Complete Loan Cycle Management

State of the art Credit Monitoring Systems

Robust Governance and Visionary Leadership

Our Story So Far


Applications Sourced








Jobs Impacted

Impact of the Covid-19 Pandemic on the economy and Steps undertaken by IREP.

Andhra Pradesh: 45 Branch Offices

Karnataka: 3 Branch Offices

Telangana: 22 Branch Offices


Dhan Sankalp Loans

IREP’s loans aim to ensure access to timely and adequate credit for vulnerable groups keeping in mind the larger goal of financial inclusion. Dhan Sankalp Loans seek to develop a culture of empowerment and self-dependence, or ATMANIRBHARTA, among the MSMEs in these untapped rural segments of South India. IREP strives to continuously educate its customers to adopt a business mindset driven on the principle of sustainable development in a cost-effective manner.

  • Sector agnostic business loans backed by collateral
  • 2 to 7 year loans ranging from INR 2 to 25 Lakhs
  • Small business entrepreneurs in tier 3/4 towns
  • Assessed Income Approach based on Cashflows
  • New to credit borrower treated at par
  • Registered mortgage (MODT)
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From Our Founder

At IREP, we pride ourselves on being a socially responsible NBFC providing timely access to credit to the backbone of our economy – MSMEs. As our country strives to become Atmanirbhar, IREP aspires to play a pivotal role to propel these businesses to new highs thereby generating employment, empowering entrepreneurs and helping the nation strive towards financial inclusion.

Naresh Naik
CEO, IREP Credit Capital


Our Customers Absolutely Adore Us

It was my dream to run my own business and I was very keen on ladies accessories. IREP helped me expand my business during Diwali and approved my loan application in a short span of time. Today, I can proudly say that I have achieved my dream and would like to encourage my fellow female entrepreneurs to step forward and attain their goals!

Ms. C. Rajeshwari
Ladies Accessories Shop, Guntur

After launching my own store, I realised that customers were keen on purchasing Andhra styled patterns which I needed to procure from different vendors. I took a Dhan Sankalp Loan from IREP which eased my working capital requirements and I’m now able to cater to customer demands in a more efficient way!

Mr. Syed Basha
Garment Store, Nellore

Your Turn To Make A Move

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