Our Story
FinCerta Capital was founded by Bukesh Kumar and Kumar Ketan Dadariya who bring a combined experience of over 32 years across lending, banking, FinTech and digital commerce ecosystems.
Both founders built their careers inside institutions where capital was deployed, risks were managed, portfolios were scaled, and partnerships drove revenue growth. Over time, they observed a recurring gap in how businesses approached capital decisions.
- Restriction from point of view of product
- Restriction from point of view of requirement vs availability
Access to capital was rarely the issue.
Access to the right financial instrument at the right
time was.
Meet Our Founders
Bukesh Kumar
Co-Founder
A seasoned business leader with experience spanning multiple fund-raising avenues across digital lending, supply chain finance, BNPL, strategic partnerships, revenue-based financing, MSME lending, and more.
Bukesh has worked with Convergys, Citibank, Axio (an Amazon company), Bizongo and GetVantage. He led, built and scaled business functions from the ground up, managed multi-city teams, and handled lending and multi-crore revenue portfolios across India.
Expertise Includes:
- Structured process design
- Credit underwriting
- Data driven execution
- Portfolio management
- End to end operational oversight
Recognised through multiple leadership and performance awards, Bukesh brings commercial discipline and operational clarity to every engagement.
Kumar Ketan Dadariya
Co-founder
Ketan brings over 16 years of experience across lending, banking, FinTech and e-commerce ecosystems.
He has worked with Paytm, Ujjivan Small Finance Bank, and GetVantage, developing expertise in partnerships, digital lending models, and structured capital deployment.
Ketan has collaborated with marquee brands including Swiggy, Flipkart, Myntra, Decathlon, Ajio and several D2C and service-led brands such as Wakefit, Zivame, Jockey, Shipyaari, and Shiprocket.
Core Strengths:
- Relationship led deal making
- Strategic alliance development
- Negotiation discipline
- Ecosystem driven growth
- Structuring embedded lending programmes
Across industries, he consistently observed that raising capital was easier than structuring it correctly.
Why FinCerta Exists
Inside large institutions, advisory was often constrained by product availability. If a business required multiple financing pathways to evaluate, only one could be presented.
FinCerta was created to remove that limitation.
We are not tied to:
- A specific lender
- A specific investor
- A single financing instrument
Instead, we evaluate debt, equity, structured instruments, embedded architectures, and acquisition strategies objectively.
