Fintech Startup Raising Funds In Noida

About Business

An investment opportunity is available in a fintech startup developing a next-generation digital credit platform designed to bridge the gap between daily spending and monthly income. The platform aims to provide users with a flexible credit line for everyday expenses, enabling seamless payments across UPI-enabled merchants while consolidating transactions into a single, low-interest monthly repayment.

Business Model

The platform addresses a significant gap in India's digital payments ecosystem, where UPI has transformed payments but access to small-ticket, recurring credit remains limited. Unlike traditional credit cards, merchant-specific BNPL solutions, or personal loans, the solution is designed to offer a daily spending limit that can be used across multiple merchants through a simplified payment experience.

A proprietary risk assessment engine determines individual spending limits based on user profiles, with the objective of promoting responsible borrowing while maintaining healthy portfolio quality.

Current Stage

The venture is currently in the MVP development phase and is simultaneously working on regulatory and compliance requirements. The founders are also pursuing the necessary validations for integration with the UPI ecosystem and plan to launch a beta version in January 2027, followed by a controlled commercial rollout in the Delhi NCR region in March 2027.

Strategic Progress

The company has made significant progress toward building the required ecosystem, including:

- Engagement with experienced fintech and financial services professionals as strategic advisors.
- Ongoing efforts to acquire an NBFC to support lending operations.
- Plans to partner with a Payment Service Provider (PSP) bank for access to UPI infrastructure.
- Roadmap to obtain all required regulatory approvals and operational licenses.

Investment Opportunity

The company is currently raising growth capital to support product development, regulatory compliance, technology infrastructure, market launch, and initial customer acquisition. The promoters are open to both equity and venture debt investments.

The business has also entered into an investment understanding with an existing angel investor for a portion of the current funding round, reflecting early validation of the opportunity.

Clientele type

Salaried professionals, young working individuals, and digitally active UPI users seeking convenient credit for everyday expenses.

Premises

LEASED

Lease per month (in INR): 15.00 K

Security Deposit (in INR): 30.00 K

Carpet Area: 300 sq ft

Asking Price Includes

The investment terms and transaction structure will be mutually discussed and finalized with prospective investors.

Asking Price

INR 5.00 Cr

Minimum ticket size

INR 5.00 Cr

Reason

The funds will be utilized towards regulatory approvals, product development, technology infrastructure, and business launch.