Born from a single belief: that financial exclusion is a solvable problem. NovaMicro Finance has spent 17 years proving it — one loan, one family, one dream at a time.
Our Foundation
NovaMicro Finance was founded in 2008 by Dr. Saman Wickramasinghe and a group of 12 social entrepreneurs who had witnessed firsthand how lack of access to small loans kept hardworking people trapped in cycles of poverty.
Starting with just Rs. 500,000 in seed capital and a tiny office in Pettah, Colombo, we disbursed our first 23 loans to market vendors and home-based artisans. Seventeen years later, we've grown to 32 branches serving 50,000+ borrowers — but our core belief hasn't changed: every person deserves financial dignity.
Mission
To provide accessible, dignified financial services that empower underserved entrepreneurs to build sustainable livelihoods.
Vision
A Sri Lanka where every small business owner has the capital and support to thrive, regardless of background.
Year Founded
Pettah, Colombo
Branch Network
Across Sri Lanka
Active Borrowers
94% Women-led businesses
Years of Impact
Communities transformed
Our Journey
The Beginning
Founded with Rs. 500,000 seed capital. First 23 loans disbursed to Pettah market vendors.
The Beginning
Founded with Rs. 500,000 seed capital. First 23 loans disbursed to Pettah market vendors.
Group Lending Launch
Introduced the Group Lending Circle model, reducing defaults and building stronger communities.
Group Lending Launch
Introduced the Group Lending Circle model, reducing defaults and building stronger communities.
National Expansion
Opened branches in Galle, Kandy, Jaffna, and Anuradhapura. Served 5,000 borrowers.
National Expansion
Opened branches in Galle, Kandy, Jaffna, and Anuradhapura. Served 5,000 borrowers.
Women First Initiative
Launched dedicated Women Entrepreneur Fund. 60% of portfolio now women-led businesses.
Women First Initiative
Launched dedicated Women Entrepreneur Fund. 60% of portfolio now women-led businesses.
Digital Transformation
Introduced mobile application for loan tracking and repayments during COVID-19 pandemic.
Digital Transformation
Introduced mobile application for loan tracking and repayments during COVID-19 pandemic.
Today
32 branches, 50,000+ borrowers, Rs. 2.5B disbursed. Still growing. Still community-first.
Today
32 branches, 50,000+ borrowers, Rs. 2.5B disbursed. Still growing. Still community-first.
Leadership
Founder & CEO
25+ years in community development
Chief Operations Officer
Former microfinance regulator, CBSL
Chief Credit Officer
15 years rural lending experience
Head of Community Programs
Social entrepreneur & impact investor
The principles that guide every decision we make
Every borrower is treated with respect and dignity. No judgment. No shame. Just partnership.
We answer to the communities we serve, not shareholders. Our success is measured in lives changed.
We go beyond loans — offering education, mentoring, and tools for long-term financial independence.
We prioritize environmentally conscious businesses and sustainable agricultural practices.
No hidden fees. No confusing terms. We explain everything clearly in your language.
Fast decisions. Accessible staff. We know your time is money and your urgency is real.