Thimblerr

Why MJV invested

Underwriting India's small merchants is intuition, not just algorithms. The Thimblerr founders lived that ground truth first-hand before writing a line of code — and their platform-first approach paired with lender-grade rigour is what made this an early conviction bet for us in embedded finance. They're patient about credit performance in a category that punishes shortcuts, and they've resisted the temptation to grow ahead of underwriting quality. That discipline — pairing empathy for the merchant with hard-nosed risk management — is exactly what India's MSME credit stack has been missing.

• 01

  Platform-embedded distribution — low CAC, high intent

• 02

  Proprietary underwriting models tuned for MSME data patterns

• 03

  Founders with prior lending and platform experience