A used truck can be someone’s first business. Kogta Financial has built a lending company around that possibility - and the hard work of deciding who can repay.
A search for familiar ingredients helped launch Parry Singh’s first internet venture. From Chicago to Indian business lending and used-car diagnostics, his career keeps returning to the gaps that make ordinary transactions difficult.

A civil engineer joined his family’s lending business in 2004. Two decades later, Arun Kogta is connecting used vehicles and small businesses in India with capital from global investors.
Khalid Kabeer is a fintech and financial-inclusion executive with more than two decades of leadership in microfinance and MSME lending across Pakistan, the Middle East, Europe and Africa. A Fellow Chartered Accountant who started in audit and textiles, he helped build Kashf Microfinance Bank as its first CFO, ran global operations and then led Vitas Group as CEO, steering it toward a data-centric, digital-first lending model and founding its early-stage fintech investment arm, Vitas Ventures. He is now Chief Product Officer at AdalFi, a Lahore-based credit-scoring and lending-technology company taking instant, pre-approved digital credit to scale.