At Garage University, we've spent years nurturing India's most promising founders through programs like Supernova, IdeasToMVP, AIR, and LiftOff. But one challenge kept showing up—many brilliant founders at the idea stage simply couldn’t afford to bring their vision to life. Traditional funding was out of reach, banks wouldn’t lend without collateral, and VCs wanted traction before offering a dime.

That’s why we created NvestBank—a first-of-its-kind Tech-Debt Bank built to fund the earliest stage of innovation.

What We Do

NvestBank helps idea-stage startups finance up to 90% of their tech development costs by offering a unique equity-backed lending model. We’re not a traditional bank. We don’t take deposits. We don’t use external investors’ money. We simply back the founders we believe in—with our own capital.

There’s no CIBIL score check, no personal collateral, and no debt if you fail. Just belief, support, and smart capital to help you get started.

How It Works: Step-by-Step

1. Join a Garage University Program
   Apply to any of our incubation programs like Supernova, AIR, IdeasToMVP, or LiftOff. These programs are designed to accelerate your startup journey.

2. Submit Your Pitch on the Garage App
   Once you're inside the program, you can upload your startup pitch through the Garage App and select a verified third-party development vendor to work with.

3. Get Matched with a Vendor
   Your pitch is shared with vetted software vendors. You’ll collaborate directly with them to finalize the scope of work and get a transparent quotation.

4. Apply for NvestBank Financing
   Once your scope and quotation are locked in, submit a financing request through the Garage App. Our team will review your application and respond within a few days.

5. Choose a Financing Option
   If approved, we’ll offer you three tailored financing options, each with a different equity collateral and funding percentage. Pick the one that fits your goals best.

6. Funds Disbursed Within 7 Days
   We release up to 90% of the development cost directly to the vendor. You only pay the remaining 10%. No personal guarantees, no hidden fees.

7. Launch, Build, and Grow
   You go full steam ahead with building your startup. We stay in the background—but always within reach.

8. Buy Back Your Equity (Optional)
   If your startup succeeds, you can repay us anytime interest-free and reclaim your equity—except for a small 1% stake, which we keep as our reward for believing in you early.

9. In Case of Failure
   If things don’t work out, you owe nothing. We absorb the risk, retain the tech, and you’re free to walk away with lessons—not debt.

Why It Works

• No CIBIL Score Check
  We don’t judge your credit history. We believe in your future.

• No Personal Collateral
  Your ambition is enough. You don’t have to put your assets on the line.

• Founder-Friendly Terms
  Flexible repayment, zero interest, and complete transparency.

• Risk-Free Failure
  If you fail, we take the loss. You get to try again, without financial baggage.

The Next Big Thing

Too many startups never get built—not because the idea wasn’t good, but because funding the first version was just too hard. NvestBank exists to make sure your first shot doesn’t miss because of money.

Let’s build the future—one idea at a time.