We examine whether non-banks fill credit gaps following climate shocks. Using the August 2017 floods in two Indian states, Uttar Pradesh and Bihar, as a plausibly exogenous shock, we combine georeferenced flood-extent data with a novel, nearuniverse panel of Indian retail credit data. A difference-in-differences design, comparing non-banks and banks across flooded and unaffected zipcodes, reveals that nonbanks expand lending by 5.75% in affected areas relative to banks, alongside broader borrower outreach. Product-level estimates show particularly strong responses in agricultural and consumption credit. While overall delinquency rates remain comparable to those of banks, we detect a rise in default rates for consumption loans. By linking flood exposure to high-frequency originations, this paper provides the first largescale evidence of non-banks’ countercyclical role in disaster recovery—delivering rapid, last-mile liquidity to vulnerable households and small firms, albeit with elevated risk in unsecured credit.