HAPPY is a world of dreamers, believers and go-getters. A world built with just one purpose in mind; to turn everyday moments into memorable ones. We are here to help you grow your business. And while we are at it, we want to make the journey happy for you. But don’t take our word for it, experience it yourself.


We help people pursue their dreams by making it easy and affordable to manage money. We offer working capital loans upto INR 2,00,000 to small and medium-sized enterprises. These working capital loans are best used for an eventful sale or store renewal or a simple cashflow mismatch. We partner with merchant aggregators to identify and assess borrowers. The business is driven by the objective of not only empowering 600 million Indians who do not have access to mainstream credit facility but also making the services available at the tip of their fingers.

We offer micro-loans to help meet your everyday business needs. And while we are at it, we want to set you free from traditional branch visits, paperwork, and long queues. 

Because money should never come between you and your aspirations. Being happy is easy. See it in the mirror, hum the Happy song like Pharrell Williams or just grab it on the go. 



Bursting bubble wraps. Watching a baby giggle. Finding a 100 rupee note in your old jacket. It’s the little things that turn day to day situations into happy moments. Inspired by moments like these, we found Happy.

And we believe, happyness multiples when you spread it. That’s why, we offer micro loans to help meet your everyday business needs. And while we are at it, we want to set you free from traditional branch visits, paperwork and long queues. We have partnered with MSwipe, Ongo; Paytm and other networks to solve your requirements right from your mobile phone.


HAPPY is a world of dreamers, believers and go-getters. A world built with just one purpose in mind; to turn everyday moments into memorable ones. We are here to help you grow your business. And while we are at it, we want to make the journey happy for you. But don’t take our word for it, experience it yourself.

I want to thank HAPPY Loan and Mswipe; it is because of them my business is flourishing. I got my first HAPPY Loan with just one call. Usually, you have to pay multiple visits and wait for days to get a loan from the bank. HAPPY Loans is excellent to keep my cash flow intact.

– Mukesh Sharma, Chemist

During Diwali season, I wanted to stock up my inventory, and I needed funds for that. The bank fails to give me a loan in a short time; it was HAPPY Loan which offered me credit with minimum documents in such a short time. The business was booming during the peak festival, and I was able to meet the customer demands because of the available stock. I am going to expand my business with HAPPY Loan.

– Ashutosh, Garment Shop

Taking a loan from your friends or business associates means getting calls now and then for repayment and that too a lump sum amount; with HAPPY Loans I get easy repayment option in EMI which gets deducted from my Mswipe machine. HAPPY Loans is the remedy for all my business needs.

– Vijay Bhanushali, Medical Store

I was introduced to HAPPY Loans while using the Mswipe machine. I was very pleasantly surprised to know that I will get a loan within a day and can manage daily cash requirements. I took four loans, and I am able to provide my customers with some credit period. My happy customers make me happy.

– Vijay Kal, Tours and Travels

My husband has a travel agency, and I wanted to start something on my own. No banks would give me small loans to invest in my business. When I was introduced to HAPPY Loans, it seemed like a ray of hope. I started my entrepreneurial journey with HAPPY Loans

-Priya Jadhav, Aquarium shop

When my business was down, HAPPY Loans gave me the loan within two days. I was thrilled to get a loan so quickly, so I took it four times. This helped me sustain my business in bad times.

-Binod Chatterjee, Saree shop owner

Time is the key to any business, and if you don’t get financial support on time, then it is a wasted opportunity. With the help and support of HAPPY Loans, I am getting financial assistance whenever I need with just one click. Thank you HAPPY Loans.

– Sanjay Gulati, Apparel store


Everyone is in pursuit of happyness. But if you look closely, it doesn’t take much to be happy. We disburse loans within 5 minutes. Loans that require minimal documents. And are 100% paperless. The system makes this possible through its unmatched live data exchange & real-time machine learning about the merchants. We have partnered with more than 17 partners in India giving us access to more than 5 million retail entrepreneurs.

Our Artificial intelligence processes hundreds of variables to assess the creditworthiness of a customer and our end-to-end digital experience allows live loan offers. The repayment behaviour is a highly weighted variable fed in the system on a real time.

Because, happyness starts with you. When you want to stock up supplies, HAPPY is the season. And when you want to invest, HAPPY is the opportunity.


When it comes to untouched market segments, Payworld has built a formidable reputation. With over 1 lakh active retail touch-points across 630 cities and 23 states, our partnership with Payworld is bound to go distance. For it empowers us to provide digital payments for millions of unbanked villagers across India.

A leader driven by technology and innovation. Today, MSwipe has over 2.6 lakh merchants which makes it one of India’s largest merchant acquirer to enable digital payments through POS devices. With this partnership, our focus is to help retail businesses deal with their ever-changing fund requirements more easily.

A pioneer in the remittance space, EKO has thousands of distributors and retailers to enable DMT across India. Since the stock in this business is money itself, our association with EKO will directly enable more sales for the merchants.

One of the few service providers in India who has enabled mobile payments for the last leg i.e. auto rides. With Ongo, we plan to support cash needs of these merchants at every point in their life.

Storeking has played an instrumental role to bridge the gap between big ecommerce & payment companies and the people of rural India. And they have done it by solving last mile for 850 million Indians with an aim to digitalise rural India. This association will help us empower rural Indians to be independent and self-reliant.

Passionate about technology & innovation? Passionate about bringing a change in small & medium enterprises? Passionate about spreading happyness in people’s lives?
Get in touch with [email protected]

  • Founders
  • Advisors
  • Team
  • Manish Khera

    Founder & CEO

    When you want to write a happy story every single day, you need believers. Not just people. We are passionate about making a difference in our small way. Like Steve Jobs said, we want to put a ding in the universe. We follow our heart and intuition. We never settle till we find that moment. Making you happy, makes us happy too. After all, happyness is contagious.

    Gautam Ivatury

    Co-Founder & Head

    A serial entrepreneur, an aspiring pianist and a cryptocurrency dabbler; Gautam Ivatury is a recognised pioneer with decades of experience in digital finance. He has headed the World Bank’s digital finance program which is backed by Gates Foundation. Gautam has played an instrumental role in the world of mobile banking and has started, advised and funded mobile ventures and Fortune 500 players globally with an aim to create a new-age, fairer way of banking that will make people’s lives simpler and happyer.

    Shweta Aprameya

    Co-Founder & Head

    A dynamic multi-faceted leader having worked across various financial services roles. Beginning with Indian Financial System with NCR Corporation, she set on her entrepreneurial journey with Yatra Tatra Sarvatra (YTS) Solutions - an initiative towards financial inclusion. She established ArthUdgam Welfare Foundation to provide equal financial opportunities for both genders.  

  • Anil Sinha


    A regional head of International Finance Corporation, Anil Sinha has over 25 years of experience in banking and finance. He was not only the chairman, Strategic Advisory Board of Millennium Alliance, but also an Advisor for the Global Impact Investors Network.

    M V Nair


    M.V.Nair is a Chairman of India’s largest credit bureau - CIBIL, Chairman of SWIFT India, Chairman of top 3 training solutions provider for banks and financial services organizations in India. Previously a banker, Nair was one of the longest serving chairman in the history of Indian banking, having served as chairman and managing director of Union Bank of India for six years and Dena Bank for one year.

July 31, 2019

How to Prevent Monsoons from Impacting Your Business

Erratic and unpredictable rains are not uncommon in India. Arrivals of monsoons even though most awaited is also a curse for businesses as they impact demand and supply of essential commodities, affect buying patterns of customers and in turn sales, and can also cause damage to perishable items and infrastructure.

July 05, 2019

How a Business Loan Can Propel Your Kirana Store?

Running a kirana (or a local grocery store) can be a challenging and expensive task, especially when you are running on a tight budget. It is thus advisable to take financial assistance to keep your cash flow intact and ensure smooth functioning of your store.

December 18, 2018

Technologies to help uplift MSME lending sector this year

The Micro, Small and Medium Enterprises (MSME) sector is one of the most prolific parts of the Indian economy. Clocking in a growth of 10 % per year, this enterprising segment employs over 100 million people and contributes almost 45% to the country’s GDP. However, the credit inflow into what is called the ‘engine of growth’ of the Indian economy, is surprisingly low. In fact, in 2017, the credit gap in the MSME sector was estimated at an unsettling US$230 billion.