FIVESTAR

Five Star Business Finance Limited, incorporated in 1984, operates as a systemically important non-deposit-taking Non-Banking Finance Company (NBFC-ND-SI) focused on financial services in South India. It provides secured business loans to micro-entrepreneurs and secured loans to self-employed individuals, primarily targeting customers with informal income streams who are typically underserved by the formal lending ecosystem. The company employs a proprietary underwriting and collections framework that emphasizes evaluating borrowers' intent and ability to repay. Its business model is characterized by a high-touch, localized approach developed over two decades. Five Star Business Finance Limited is primarily engaged in the NBFC sector, focusing on lending to small business owners and self-employed individuals.