FlexiLoans

The whole borrowing journey for a small MSME is completely digital, with technologically aided guidance and loans approved within 48 hours.

FlexiLoans provides accessible and tailored financial solutions to underserved MSMEs with 100% digital sourcing and zero branches.

FlexiLoans empowers MSMEs that traditional institutional channels reject; 66% of its customers are in smaller towns.

Over 80% of loan proposals from SMEs are rejected by institutional lending channels due to inadequate financial history or collateral.

Roughly half of FlexiLoans' customers take multiple loans from the platform over time, while over half of borrowers are first-time business-loan takers.

FlexiLoans is a leader in the Ecosystem embedded finance market, with access to 10 Mn+ SMEs via 150+ partners such as PaisaBazaar, PhonePe, PayTM, Amazon and Flipkart.

Digital marketing channels bring 4mn+ leads per month for FlexiLoans.

FlexiLoans integrated its lending platform into Amazon's Lending marketplace via API, letting sellers apply for and manage FlexiLoans financing directly from the Amazon seller dashboard.

FlexiLoans' proprietary technology runs the entire loan lifecycle online — borrower application, data gathering, credit decisioning and scoring, loan funding, customer servicing, regulatory compliance and fraud detection — with no physical branches.

A dedicated ~100-person team plus in-house machine-learning models process hundreds of documents within seconds and generate real-time credit decisions, using 20+ proprietary data-science assets and algorithms spanning the loan lifecycle to price unsecured MSME loans other lenders reject.

FlexiLoans built and operates Bi-Frost, an API-based integration layer that connects it to partner banks and NBFCs within weeks so loans can be co-funded, achieving a high partner approval rate and onboarding multiple financial institutions onto the platform.

FlexiLoans leverages alternative data sources for underwriting; through its own books and integrations with 20+ lenders via its in-house tech platform, it designs customised credit products.

FlexiLoans extended its partnership with Amazon.in through API integration of its lending platform into the Amazon Lending marketplace, so businesses can manage FlexiLoans financing from the Amazon seller dashboard.

FlexiLoans has strategic partnerships with e-commerce platforms, payments tech, foodtech and other merchant ecosystems, and integrates with 20+ lenders via its in-house tech platform.

FlexiLoans acquired Mumbai-based supply chain financing platform CreditPeriod to strengthen its supply-chain-finance vertical using ERP-integrated underwriting.

Term loans ranging from $2.5K to $30K for MSMEs.

Supply chain finance with limits ranging from $30K to $1.2Mn.

As an RBI-registered NBFC, FlexiLoans' core structural cost is its weighted average cost of funds, drawn from bank lines, NBFC credit lines and non-convertible debentures, plus un-allocable overheads and business-specific operating costs — all of which feed directly into how it prices loans.

Credit costs (loan losses and provisioning against its unsecured MSME book) are a key variable cost line; the company has kept this ratio below the industry average, which management credits as central to its return to profitability.