Our Programs and Startups
Our Programs and Startups
GEAR is our flagship initiative — a first-loss guarantee and technical assistance facility designed to unlock affordable credit for social enterprises solving critical problems in India.
GEAR is our flagship initiative — a first-loss guarantee and technical assistance facility designed to unlock affordable credit for social enterprises solving critical problems in India.
GEAR is our flagship initiative — a first-loss guarantee and technical assistance facility designed to unlock affordable credit for social enterprises solving critical problems in India.
Active
GEAR: Urban Waste infrastructure
GEAR: Urban Waste infrastructure
Cross-border guarantee for loans to startups in the waste management sector. In partnership with Villgro India (ESO) and Navaka (lender)
Cross-border guarantee for loans to startups in the waste management sector. In partnership with Villgro India (ESO) and Navaka (lender)
Location
India
Duration
March 2026 - March 2028
Impact
Loans for social enterprises offering innovative waste management solutions
How GEAR Works — Step by Step
How GEAR Works — Step by Step
1.
Assessment & Selection
We partner with Entrepreneur Support Organizations (ESOs) to evaluate enterprises on their capital requirement, impact potential, and alignment with community needs.
We partner with Entrepreneur Support Organizations (ESOs) to evaluate enterprises on their capital requirement, impact potential, and alignment with community needs.
2.
Capacity Building
Selected enterprises are supported with market awareness building, reaching new communities and other business development support.
Selected enterprises are supported with market awareness building, reaching new communities and other business development support.
3.
Guarantee
Provision
Guarantee Provision
We partner with lenders and provide them first loss default guarantees at portfolio level so they lend to social enterprises.
We partner with lenders and provide them first loss default guarantees at portfolio level so they lend to social enterprises.
4.
Monitoring & Scale
Performance monitoring at entity, program and systems level is done to ensure goals are met and GEAR adapts based on feedback.
Performance monitoring at entity, program and systems level is done to ensure goals are met and GEAR adapts based on feedback.
The GEAR Guarantee Model
The GEAR Guarantee Model
Our first-loss guarantee enables commercial lenders to extend credit to social enterprises they would otherwise consider too risky. This de-risking unlocks a multiplier effect — every dollar of philanthropic capital enables 3.3× in loans disbursed.
Our first-loss guarantee enables commercial lenders to extend credit to social enterprises they would otherwise consider too risky. This de-risking unlocks a multiplier effect — every dollar of philanthropic capital enables 3.3× in loans disbursed.
Loans that GEAR enables
Inkludo's first-loss guarantee enables lenders to extend loans for assets or working capital to social enterprises. Enterprises then provide products and services to their customers - farmers, FPOs, and micro-entrepreneurs, and buy back value-added products from them. Guarantees may also be used by the customers of the social enterprises for asset finance and working capital.
Proven Results from Pilots
Proven Results from Pilots
33%
Reduction in interest rates through impact-linked technical assistance
<5%
Default rate across the portfolio
3.3x
Leverage ratio on philanthropic capital
33%
Reduction in interest rates through impact-linked technical assistance
<5%
Default rate across the portfolio
3.3x
Leverage ratio on philanthropic capital
33%
Reduction in interest rates through impact-linked technical assistance
<5%
Default rate across the portfolio
3.3x
Leverage ratio on philanthropic capital
Our Partners & Supporters
*Based on pilots by our Partner Villgro Innovation Foundation in India
How the GEAR Guarantee Works
Inkludo's first-loss guarantee enables lenders to extend loans for assets or working capital to social zenterprises. Enterprises then provide products and services to their customers - farmers, FPOs, and micro-entrepreneurs, and buy back value-added products from them. Guarantees may also be used by the customer’s of the social enterprises for asset finance and working capital.
Our Partners & Supporters
*Based on pilots by our Partner Villgro Innovation Foundation in India
Empowering social enterprises to build resilient communities through strategic guarantees and acceleration.
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© 2026 Inkludo Impact. All rights reserved.
Inkludo Impact is a Delaware based 501(c)(3) nonprofit organization
Building sustainable impact, one enterprise at a time.
Empowering social enterprises to build resilient communities through strategic guarantees and acceleration.
© 2026 Inkludo Impact. All rights reserved.
Inkludo Impact is a Delaware based 501(c)(3) nonprofit organization
Building sustainable impact, one enterprise at a time.
Empowering social enterprises to build resilient communities through strategic guarantees and acceleration.
© 2026 Inkludo Impact. All rights reserved.
Inkludo Impact is a Delaware based 501(c)(3) nonprofit organization
Building sustainable impact, one enterprise at a time.
Empowering social enterprises to build resilient communities through strategic guarantees and acceleration.
© 2026 Inkludo Impact. All rights reserved.
Inkludo Impact is a Delaware based 501(c)(3) nonprofit organization
Building sustainable impact, one enterprise at a time.