Capital shaped around your business
Sarva Capital is a direct lender to lower middle market businesses. We take each company on its own merits, structure credit that fits what it is trying to do, and stay close to the businesses we back.
- A direct lender, not a broker
- Structures built around your plan
- A partner after the money is drawn
Two ways we put capital to work
Each is a different answer to a different need. Most conversations start with one of them, and we will tell you plainly if neither is the right fit.
Capital for paid acquisition, underwritten on live campaign and revenue data. Draw against a limit that rises as your unit economics improve, and repay from the revenue that spend generates.
- Decisions in days
- No personal guarantees
- Limits that grow with performance
Short-duration capital structured around a single, dated event. Underwritten on the same live data as Sarva AdFi, so an existing borrower can draw without starting diligence again.
- Event-based structure
- Sits alongside existing facilities
- Days to close
A lender you can actually get hold of
Borrowing should not mean waiting weeks to learn whether anyone is interested. We keep the decision, the structure and the relationship in one place.
We lend our own way
Decisions are made by the people you meet. There is no broker chain between your business and the credit committee, and no handing your file to someone you never speak to.
Every business on its own merits
We start from what the business needs rather than from a product sheet, then shape the structure, timing and terms around it.
Answers you can plan around
We are clear early about whether we can help and on what terms. A fast no is more useful to you than a slow maybe.
We stay close after closing
Funding is the start of the relationship. We follow the business, take the call when plans change, and look at the next requirement when it comes.
A straightforward path from first call to funded
No data room marathon and no committee theatre. Three steps, and you know where you stand at each one.
Understand
We start with a conversation about the business, what the capital is for and when it is needed. You will hear quickly whether this is something we can do.
Structure
We work through the diligence the business genuinely calls for, then put forward a structure and terms shaped around it.
Fund and follow
Once documents are signed the capital is drawn, and we stay with the business from there — not filed away until the next renewal.
Management teams with a plan and the numbers to back it
We back companies whose management teams are open about where the business is, what they are trying to build, and what could go wrong. Transparency early makes for a better structure and a much better relationship afterwards.
We work across a range of industries rather than a single sector, because what matters is whether the plan is credible and the business can carry the debt — not whether it fits a category.
The technology underneath
Sarva Capital runs on lending technology built by Thazivo Labs. It handles the application, the credit analysis and the servicing, which is what lets a small team give clear answers quickly and keep track of every loan after it is funded.
Visit Thazivo Labs- Applications and credit analysis in one place
- Underwriting that works from the borrower’s own numbers
- Dashboards showing borrowers what we see
- Servicing and monitoring through the life of the loan
Tell us what you are trying to fund
Tell us about the business and what the capital is for. We will come back with a view on whether we can help, which of our products fits, and what it would take. No pitch required.