Upcoming Short-Term Lending FinTech Business Raising Funds

About Business

Funding Raised Stage: Pre-seed

Runway Months: Profitable

Marketing Spend %: 10%

Product Service Types: Lending

Revenue Model: Transaction fee, Subscription, SaaS, Licensing

Active Users: 100

Startup Stage: Growth

Key Tech Integrations: Account Aggregator (AA)

A pre-launch, technology-driven short-term lending FinTech is seeking an equity investor or business partner to co-build a compliant digital lending operation, with personal loan ticket sizes ranging from ₹5,000 to ₹1,00,000 and repayment tenures of 30 to 180 days. The business is at the regulatory structuring stage, with the final operating model and product pricing to be confirmed with qualified legal and compliance professionals prior to launch.

The venture is being structured around an RBI-regulated lending framework — either through an NBFC or a Lending Service Provider arrangement — and will serve salaried professionals, self-employed individuals, and existing creditworthy borrowers requiring short-term liquidity.

Credit & Underwriting
Loan applications will be processed digitally, with disbursements made directly to verified bank accounts. Credit assessment combines CIBIL/bureau analysis, income and employment verification, banking behaviour review, FOIR assessment, and fraud/risk checks. The decision engine will run automated credit rules and risk scoring, supplemented by manual review — with high-risk applications rejected rather than approved to chase disbursement volume.

Collections
Pre-collection communication runs through automated SMS, WhatsApp, and email reminders with embedded payment links. Delinquency management follows a bucket-wise strategy covering tele-calling, promise-to-pay tracking, roll-rate monitoring, and field collection where legally and operationally appropriate. Legal recovery processes apply to eligible cases.

Technology (Planned)
The platform will include a mobile and web application, LOS/LMS, an integrated credit decision engine, KYC infrastructure, bureau and bank verification APIs, a payment gateway, collection management system, and an MIS/analytics dashboard — covering the full loan lifecycle from lead generation through portfolio monitoring.

Revenue Streams
Revenue will be generated through interest and lending income via the regulated lending structure, permissible processing charges, and repeat customer lending. Final pricing will be designed in accordance with applicable RBI regulations and the economics of the lending entity.

Management Contribution
The proposed management team carries hands-on experience across sales, credit underwriting, CIBIL analysis, collections, NPA management, portfolio management, and NBFC/FinTech operations. The planned leadership structure covers a Business Head, Operations Head, Credit/Risk Head, Collections Head, Technology/Product Lead, Compliance/Legal function, and Finance/MIS. The management side will handle full operational execution — business setup, sales, credit processes, collections, team building, and portfolio management.

Launch Roadmap
Phase 1 covers regulatory and business structuring. Phase 2 involves technology build-out, team recruitment, and operations setup. Phase 3 is a controlled pilot with a limited loan book for credit policy and collection performance testing. Phase 4 targets growth through increased acquisition volumes, expanded team, and greater automation.

Reason for Fundraise
The investor contributes capital, strategic guidance, and business network. Commercial terms — including equity structure, management compensation, and profit-sharing — will be finalised after review of the detailed financial model and regulatory structure.

Clientele type

The company will serve salaried professionals, self-employed individuals, and existing creditworthy borrowers requiring short-term liquidity.

Premises

They are operating remotely.

What’s on offer

The terms of the transaction will be discussed with potential investors.

Asking Price

INR 5.00 Cr

Minimum ticket size

INR 1.00 Cr

Reason

Working capital requirements

Product development / launch