Finance Verve Having incepted back in 1995, when times were quite different, MCLS delivered financing solutions to those who needed it the most. The company is registered as non-banking financial company with the Reserve Bank of India. With a plethora of retail finance options in its arsenal, MCLS is focused on fulfilling the requirements of lower income and middle-income groups of the society. We offer Financial Services for Micro Enterprises Loans, SME Loans, Home Loans, Two Wheeler Loans, Used Car Loans, and Commercial Vehicle Loans to satisfy their varied needs. The focus remains on the vast lower income and middle income groups of the society, spread across urban, semi urban and rural areas, and including formal and informal sector.