Marman Climate Smart Technology Private Limited

Providing Sustainable Finance to the vital and vulnerable! A Fintech credit & investment platform owned & managed by a Financial Institution that caters to the growth capital needs of Small and medium enterprises (SMEs) and clean technology start-ups - a $3T potential market, creates a multiplier footprint in the sustainability space The Addressable Market: - Small and medium enterprises (SMEs) and clean technology start-ups are critical to India’s economic growth, be it electric mobility, renewable energy, agri-tech or green buildings - Being part of India’s Sustainable & Green Investment Revolution; sustainability is the rapidly growing business segment of today and the future Current Gaps: Conventional lenders/ investors ask for onerous property collateral or pledge/stakes which startups can’t afford to give, so don’t leverage. Marman Approach: Asset Financing, working capital lending, venture debt, equity are some of the funding needs of early stage growth companies in the space, however remains ignored by conventional financiers unless collateral backed. Also, these are too small to be dealt by global investors directly. - Local market expertise is key; working with ventures/SMEs and entrepreneurs/managers to identify rural game plan India offers creative way of managing risk - Investment decisions based on cash flows instead of assets value - Tech advances require a dynamic view of sustainability sector for emerging new sectors & opportunities.