Loans4SME

Loans4SME is a technology-driven peer-to-peer lending marketplace launched by Aurus Lending Solutions to address the capital shortage for Indian SMEs in the renewable energy and energy efficiency sectors. By bypassing traditional bank requirements for collateral and three-year profitability records, the platform connects SMEs with high net worth individuals, family investment offices, and corporate treasuries. The initiative aims to mobilize USD 2.2 billion in debt financing and add 800 MW of solar rooftop capacity by 2022, potentially reducing annual CO2 emissions by approximately 1107 mMT.

• Indian SMEs in the renewable energy and energy efficiency sectors face a capital shortage because traditional banks require at least three years of profitability and real estate collateral, which newer, smaller entities often lack.
• Loans4SME is a first-of-its-kind peer-to-peer lending facility in India specifically for renewable energy and energy efficiency SMEs, connecting them with lenders such as corporate treasuries, family investment offices, and high net worth individuals.
• By 2022, Loans4SME has the potential to mobilize USD 2.2 billion in debt financing, which includes USD 590 million for solar rooftops, USD 200 million for energy efficiency, and USD 141 billion for energy, procurement, and construction (EPC) financing.
• The platform's solar rooftop installation potential could lead to an annual reduction of approximately 1107 mMT of CO2 emissions, 3681 mMT of SOx, and 5146 mMT of NOx by 2022.
• Commissioning the facility requires USD 460,000 in public finance, offering a private finance leverage ratio of 1:234.

APA

Climate Policy Initiative (n.d.). Loans4SME. https://www.climatepolicyinitiative.org/wp-content/uploads/2020/07/Loans4SME_Instrument-Overview.pdf

Chicago

Climate Policy Initiative. Loans4SME. n.d. https://www.climatepolicyinitiative.org/wp-content/uploads/2020/07/Loans4SME_Instrument-Overview.pdf.

Wikipedia

{{cite report |author=Climate Policy Initiative |title=Loans4SME |url=https://www.climatepolicyinitiative.org/wp-content/uploads/2020/07/Loans4SME_Instrument-Overview.pdf |access-date=17 August 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{climatepolicyinitiativendloans4sme, author = {{Climate Policy Initiative}}, title = {{Loans4SME}}, institution = {Climate Policy Initiative}, url = {https://www.climatepolicyinitiative.org/wp-content/uploads/2020/07/Loans4SME_Instrument-Overview.pdf}, urldate = {2026-08-17}, note = {Indexed by Climate Insights Directory} }