SERVICES
Tailored solutions for your every need.
01
Supply Chain Finance
Optimize your working capital by accelerating supplier payments while extending your own payment terms. This seamless cash flow bridge keeps your supply chain resilient, relationships strong, and operations moving forward without interruption.
02
Vendor & Distributor Finance
Empower your distributors to stock more inventory and scale their operations without straining their cash reserves. Our seamless financing solutions provide immediate liquidity to vendors while giving buyers the extended payment terms they need to thrive.
03
Project Finance
Secure long-term, non-recourse funding structured specifically around your project's unique assets and future cash flows. This allows you to launch major initiatives successfully while isolating financial risk from your core business.
04
Asset Based & Infrastructure Finance
Acquire, upgrade, or expand your fleet and warehousing equipment with flexible financing structured around your operational cash flow or Fund large-scale public or private developments—from renewable energy plants to transport networks—with long-term, structured capital.
05
Enterprise Solutions
Our tailored financing models align debt repayment with project milestones, ensuring your most ambitious builds reach completion smoothly.
ABOUT
All about
Joy Finserv
At Joy Finserv, we believe that accessing capital should be a catalyst for growth, not a source of stress. We bridge the gap between where your business is today and where you want it to be tomorrow by delivering smart, structured financial solutions—from supply chain and asset finance to large-scale infrastructure funding.
We don't just provide liquidity; we build resilient financial foundations. By deeply understanding your unique operational cycles, we deploy tailored capital that protects your cash flow, strengthens your partnerships, and empowers you to move forward confidently whenever and wherever opportunity knocks.
APPROACH
Giving you the financial peace of mind to focus on your core vision.
Our mission is to safeguard your financial momentum. We provide the smart, flexible capital businesses need to secure their cash flow, protect what matters most, and scale confidently whenever and wherever opportunity knocks.
Leadership
Our Leadership
.png)
Sandeep Sharma
Sandeep Sharma is a banking and financial services professional with over 25 years of experience in commercial vehicle finance, SME lending, portfolio management, and business strategy. He has held leadership positions with leading institutions including DCB Bank, ICICI Bank, ING Vysya Bank, and Cholamandalam Finance. With extensive expertise across the BFSI and automobile finance sectors, he brings strong strategic, operational, and market leadership to the organization.
.png)
Puneet Sabharwal
Puneet Sabharwal is an experienced financial services leader with over 25 years of expertise in asset-based finance, commercial vehicle and construction equipment financing, and strategic business development. He has worked with reputed organizations including Yes Bank, Axis Bank, Citicorp Finance, Cisco Systems Capital, and ICICI Bank. His strengths include sales leadership, portfolio management, and driving sustainable business growth across regional markets.