MicroGraam is an online peer-to-peer lending platform that brings several innovations to traditional micro-credit. It offers flexible repayment terms and low interest rates to borrowers. Under its micro ventures model, the micro-venture capitalists provide the upfront funding to the micro-entrepreneur to build a small business, the two parties share in profits or losses for a pre-determined number of years. 90% of Micrograam’s borrowers are women from extremely low-income backgrounds. Micrograam’s partners with local NGOs to provide training and support to its borrowers thus helping them develop successful businesses this decreases the perceived risk that investors might assume when investing in low-income borrowers by providing a financial return and risk mitigation in the form of a principal guarantee.