We believe credit shouldn't be a privilege.
Building access to credit for the millions of Indian SMBs who deserve it — by connecting them with regulated lenders, transparently.
70% of Indian SMBs report difficulty accessing formal credit.
Most go to informal lenders at 30–50% APR. Vaanij exists to fix this — by connecting credit-worthy SMBs with regulated lenders at fair, transparent rates. We're a marketplace and DSA, not a lender. Our incentives align with borrowers: we earn when good loans get matched with good lenders.
Kanik Goyal
Founder, Vaanij
- B.Com (Hons)
- LL.B
- Former Advocate, Delhi High Court
Kanik Goyal is the founder of Vaanij. With a degree in commerce, a degree in law and time at the Bar as an advocate of the Delhi High Court, Kanik reads a balance sheet and a loan agreement with equal care.
Vaanij Capital is built on one conviction: credit should be explained before it is sold. So the platform shows what a lender will look at, what a loan will really cost and what the fine print says — and leaves the choice of lender with the business owner.
Kanik also designs and builds the software behind the Vaanij suite — Accounts, Arbitration and Capital — which is why an application here can start from your own books instead of a stack of paper.
Read Kanik’s articlesReads a business the way a lender does.
Cash flow, margins and the working-capital cycle are home ground — the starting point for every product on this platform.
Knows what the fine print binds you to.
Trained in law, with practice at the Delhi High Court, and a firm view that a borrower should understand every term before signing.
Builds the platform hands-on.
Designs and builds the software that takes an application from your own books to regulated lenders, with your consent at each step.
Backed by funds that build for the long term.
Where you may have read about us.
A regulated, RBI-aligned platform.
Vaanij Loan Services Pvt Ltd is registered as a Direct Selling Agent. We follow RBI's Fair Practices Code in letter and spirit — including transparent pricing, fair recovery, and grievance redressal.