1
Check eligibility
Proposed screening: CIBIL score of at least 750, zero days past due in the previous year, anchor recommendation or membership, and a co-applicant and guarantor. Final acceptance rests with the lender.
01Three participants, one connected model
A different value for everyone involved.
pick who you are
Move from loan sourcing to livelihood coordination.
A typical sourcing-led Direct Selling Agent (DSA) relationship focuses on connecting borrowers with lenders. Impackt Loans proposes an ongoing operating layer around the business behind the loan.
- 1An opportunity linked to the credit
Assess the business activity, brand relationship and expected cash flow alongside the borrower.
- 2Social intent that can be reviewed
Agree outcome measures and follow the livelihood after disbursement, using documented evidence.
- 3Lender control stays with the lender
Retain credit assessment, sanction and pricing authority. Define platform responsibilities, monitoring and exceptions through the partnership.
how this differs from a typical DSA ↓
| Relationship focus | Typical sourcing-led DSA | Proposed Impackt Loans model |
|---|---|---|
| Before sanction | Borrower sourcing and application support only | Borrower + vetted business opportunity + brand engagement |
| Use of funds | Defined loosely by lender product | Contract-led escrow and supplier engagement |
| After disbursement | Varies widely by DSA agreement; usually none | Business support coordination and outcome tracking |
| Success measure | Often sourcing and disbursement volume | Business activity, income, repayment and savings |
02From eligibility to earnings
The loan is one step.
The livelihood is the journey.
2
Find the business fit
Assess an existing business, develop a business idea, or match an interested first-time owner with a suitable brand opportunity with proven local demand.
3
Set up the engagement
Complete business requirements, define supplier responsibilities, and establish the escrow arrangement and account controls before capital commitment.
4
Meet the contribution check
The proposed model requires at least 10% of the loan value to be maintained in the designated account before disbursement, subject to agreed lender terms.
5
Approve & deploy funds
The lender assesses and approves the loan. Disbursement and escrow use follow the signed contract, including permitted releases and recourse.
6
← where it really starts
Earn, repay & build a record
Track trading activity, earnings, repayments and savings. Use these records to develop an Impackt Score with a defined, reviewable methodology.
03Social purpose, with evidence
Success should be visible in the records.
A disbursed loan is only the beginning of the story. The proposed outcome framework actively tracks whether an enterprise operates, generates positive cash flow, and supports long-term sustainable growth.
a quick, honest note
These are proposed measures, not reported results. Baselines, review frequency, and verification responsibilities must be agreed with each lending partner.
BUSINESS ACTIVITY
Is the livelihood operating?
Setup completion, trading continuity, stock replenishment frequency, and repeat orders in the local market.
ECONOMIC PROGRESS
Is income improving?
Sales, margins, net household earnings, and retained savings, benchmarked against agreed initial baseline records.
CREDIT PERFORMANCE
Is repayment sustainable?
Repayment timeliness, zero days past due (DPD), and demonstrated repayment capacity generated directly from business cash flow.
ACCOUNTABILITY
Can the outcome be checked?
Consented business records, escrow bank statements, and documented brand support visits with automated audit flags.
SIMULATORInteractive Opportunity Modeling
Livelihood & Progress Calculator.
Simulate how enterprise opportunity, escrow contribution, and monthly revenue come together to support sustainable repayment and real household savings.
Load a scenario:
1. Credit & Enterprise Inputs
₹1,50,000
₹30,000₹5,00,000
18 Months
6 Months36 Months
13.5%
₹75,000
22%
2. Livelihood Projection
High Repayment Pressure10% Escrow Contribution
₹15,000
Required in designated account
Monthly EMI
₹9,252
For 18 months @ 13.5%
Net Take-Home / Month
₹1,248
After operating costs & EMI
Coverage (DSCR)
1.13x
Cashflow vs. repayment requirement
Estimated Year-1 Savings Potential:₹4,488
Indicative assessment: Tier C (Needs Restructuring). Livelihood demonstrates healthy surplus for sustained debt servicing and business expansion.
04The questions that matter
Clarity before commitment.
the hard ones, answered straight.
No. A funded escrow provides a defined source of contractual cover; it does not automatically eliminate losses. Ownership, beneficiary rights, release triggers, disputes, unsold stock and shortfall responsibility must be documented before engagement.
start with the right conversation
One model. Three ways to participate.
Explore the qualification requirements, operational safeguards, and discussion checklist for your specific role.