36 Forts Capital builds technology-first companies for Bharat. LoanDidi™ for credit that stays out of reach, and 36Forts.ai for software that is priced out of reach.
36 Forts Capital is a product company that builds companies. Each vertical is separately branded and separately led — and every one exists to hand a Tier 2 business something it was told it could not have.
Our first vertical, LoanDidi™, is India's relationship-first emergency credit platform — designed to replace predatory moneylenders, built on a partnership with RBI-registered NBFC Collocate Merchants Private Limited. Our second, 36Forts.ai, builds the software small businesses were told they could not afford.
The pattern is the same in both. Nothing is missing except access — to capital in one case, to technology in the other. We build the bridge.
36 Forts Capital is built to run many businesses. Each vertical is separately branded, separately led, and pointed at one thing a Tier 2 business is told it cannot have.
In Indian families, there is one safe bank: Didi. LoanDidi™ is that trusted relationship built into an app — operating as a Digital Lending Agent (DLA) with our regulated NBFC partner Collocate Merchants Private Limited, serving salaried workers, gig workers, and micro self-employed individuals across Tier 2/3 India.
Websites, apps, ERP and automation for the businesses that were quietly told they could not afford them. Website redefinition, investor presentations and digital communication for the ones that can afford anything — and still ended up with something dated.
Ask a shop owner in Raipur, Bilaspur or Durg why the business has no website. The answer is almost never that they don't want one. It's that the last quote they saw was ₹80,000 and three months — so they stopped asking.
That price was never really about the work. It was about agencies built for metros, carrying metro overheads and billing metro rates to whoever walked in.
At the other end of the same market sits a company doing hundreds of crores of revenue with a website last touched in 2016 and an investor presentation assembled the night before the call. That was never a budget problem. It's that nobody owns it.
36Forts.ai is built for both ends — a small senior team, an AI-assisted build process, and a platform we already own. The small business gets a price it can say yes to on the first call. The large one gets work that doesn't look outsourced.
Founders with skin in the game — promoters building both verticals for the long term.
Our founders carry functional titles to communicate domain responsibility — but they are shareholders and owners first.
Anchors 36 Forts across both verticals — the credit and compliance architecture behind LoanDidi™, and the build-and-price model behind 36Forts.ai.
The growth engine of 36 Forts — takes LoanDidi™ to borrowers and 36Forts.ai to businesses of every size, with strong GTM muscle behind both.
The financial and compliance backbone — institutional-grade risk discipline from Citi and Aavishkaar Capital, applied to RBI compliance at LoanDidi™ and unit economics at 36Forts.ai.
Across Tier 2 and Tier 3 cities, millions of working Indians face a brutal reality: when emergencies arrive, fair credit is out of reach. They turn to moneylenders charging 50–100% per month, or go without.
The same city holds a second version of that reality. Its shops, clinics, dealerships and factories run on paper and WhatsApp — not because software doesn't exist, but because the only quote they ever received was written for a metro client.
Two things changed. UPI, Account Aggregator, DigiLocker and AI underwriting made it possible to lend to this borrower with dignity, speed and compliance. And AI-assisted engineering collapsed what it costs to build good software. Both gaps are now closable — by the same company, from the same city.
We seek NBFC partnerships, DLG line support, strategic advisers, and execution capital. And if you run a business that needs a website, an app, an ERP or automation — that's 36Forts.ai: same team, details below.