Leadership & Promoters — 3Cap | Building India's Next-Generation Financial Infrastructure

01 Promoter Overview

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Through Credex and its associated ventures, the promoters have built a robust ecosystem connecting banks, NBFCs, investors, merchant bankers, family offices, and growth-stage enterprises — the foundation on which 3CAP is built.

The 3CAP Promoter Group

01

Financial Structuring

Combined strengths in financial structuring let the promoters design and structure large-scale, bankable projects with discipline.

02

Institutional Relationships

Deep, long-standing institutional relationships open access to capital across banks, NBFCs, investors, and family offices.

03

Governance & Execution

A governance-first approach builds strategic alliances and executes scalable business models with transparency.

02 The Promoters

Complementary leadership across capital & governance

SK

SK Kumar

Founder, Credex · Co-Promoter, 3CAP

A seasoned banking and financial services professional with nearly two decades of experience spanning Corporate Finance, Debt Syndication, Project Finance, Working Capital Structuring, Investment Banking, Capital Markets, SME IPO Advisory, and Strategic Financial Consulting.

As Founder & CEO of Credex, he has facilitated over ₹8,000 Crores in funding transactions and supported more than 1,500 businesses across India — guiding startups, MSMEs, corporates, pre-IPO and growth-stage enterprises on debt, equity, capital structuring, governance, and long-term strategy.

He also serves as a Professional Director with a SEBI-Registered Category-I Merchant Banker and advises growth-stage businesses across debt, equity, private equity, venture capital, AIFs, and M&A. Over his career he has built relationships with 40+ banks and NBFCs, sustaining a high approval ratio and a zero-delinquency track record.

Certifications

Certified Merchant Banker (NISM IX) Investment Banking Professional (CIIB) Certified Independent Director (IICA)

AK

Akhila K

Co-Promoter, 3CAP

Akhila K has played a pivotal role in building and strengthening the Credex and 3CAP ecosystem through governance, stakeholder management, operational leadership, and long-term strategic planning.

A Commerce graduate, she is a Co-Founder of Sri Sai Associates (established 2007) — the venture that later evolved into Credex. She brings extensive experience across corporate governance, client relationship management, organizational operations, and business development.

She previously served as a Director at Brihaspathi Technologies Limited, where she gained valuable experience in scaling business operations, managing institutional clients, coordinating large-scale projects, and operating within a structured governance framework.

Core Strengths

Corporate Governance Operational Leadership Stakeholder Management

04 Recognition & Institutional Standing

Recognised for quality portfolios & governance-led advisory

Through Credex, the promoters have earned recognition from leading financial institutions and industry bodies — a consistent track record of quality portfolios, ethical execution, and governance-led advisory.

Corporate Finance Advisory Firm of the Year 2025

Recognised for excellence in capital advisory and governance-driven financial strategy.

Best Portfolio in Hyderabad

Tata Capital Financial Services and Capital First (SME Loans).

Green & Preferred Channel Partner

Kotak Mahindra Bank (SME Loans).

Channel Partner — Edelweiss

For distribution of SME lending products.

Silver Club (Club Select) Member

Recognised contribution to the Loan Against Property business.

Industry Memberships

ASSOCHAM, FTCCI (Panel C), and export-ecosystem council membership under the Financial Institution category.

05 Promoter Strengths

Deep, complementary expertise across the capital value chain

Collectively, the promoters bring deep expertise in financial structuring, banking relationships, capital markets, governance, business operations, and institutional partnerships — enabling them to structure large-scale projects, access institutional capital, build strategic alliances, and execute scalable business models with discipline and transparency.

Financial Structuring Banking Relationships Capital Markets Governance Business Operations Institutional Partnerships

06 Ecosystem & Vision

Where 3CAP is headed

Strategic Ecosystem

An integrated financial ecosystem

3CAP is envisioned as a comprehensive ecosystem integrating Debt, Equity, IPO Advisory, Capital Markets, Credit Intelligence, Financial Analytics, and Risk Monitoring.

It is further strengthened through collaboration with Bizgaze and Flo — combining Financial Intelligence with Business Intelligence for automation, governance, analytics, monitoring, and risk management. The proposed 1CAP platform will focus on Government, PSU Bank, Financial Inclusion, Credit Guarantee, and Institutional Ecosystem opportunities.

Bizgaze Flo 1CAP Credit Intelligence Risk Monitoring

Our Vision

A National Credit Intelligence & Financial Infrastructure Platform

The promoters envision 3CAP as a platform that bridges the gap between borrowers, lenders, investors, and institutions.

By leveraging technology, analytics, automation, and institutional partnerships, 3CAP aims to improve credit accessibility, strengthen monitoring frameworks, reduce avoidable NPAs, enhance financial inclusion, and contribute to India's Viksit Bharat 2047 vision — a trusted financial infrastructure serving businesses, institutions, investors, and Government-backed initiatives.

Viksit Bharat 2047 Financial Inclusion Reduce NPAs

Partner with a governance-first capital platform

Debt, Equity, and IPO — one unified platform, backed by leadership with a proven institutional track record.

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