Now onboarding lending partners

Unlock growth with
pre-integrated lending programs

Kredlink gives NBFCs and fintechs ready-to-go lending programs — pre-integrated with leading banks and large NBFCs. Plug in and start disbursing.

Start Lending → See How It Works
Step 1
Get Set
Connect to Kredlink. Go live in weeks.
Step 2
Lend
Access multiple bank lending programs through one integration.
Step 3
Grow
Scale your business as new lenders join automatically.
What is Kredlink?

We make it easy for NBFCs and fintechs to lend using bank capital

Small NBFCs and fintechs have borrowers but no access to affordable capital. The structural problem:

  • Borrow at 14–18% while banks lend at 4–6%
  • Equity locked in CRAR requirements
  • No credit rating — institutional debt out of reach
  • Compliance overhead eats 15–20% of revenue

Kredlink fixes this. One platform gives you direct access to pre-integrated lending programs from banks and large NBFCs. No separate negotiations. No months-long integrations. Just connect, pick your programs, and start disbursing.

01

Get Set

Connect to Kredlink's platform or use our whitelabelled lending journey. We handle compliance, tech integration, and lender onboarding. Go live in weeks.

02

Lend

Access home loans, personal loans, business loans, and more from multiple banks and NBFCs — through a single integration. Their capital, not yours.

03

Grow

Grow without raising additional capital. New lenders on the platform become available to you automatically. More products, better pricing, more borrowers.

How It Works

From zero to disbursing — here's how

1

You Sign Up

Share your geography, borrower profile, and loan products. We match you with the right lending programs.

2

We Integrate You

We handle API integrations, compliance docs, and lender onboarding. You get one API to access multiple lenders.

3

You Start Lending

Borrowers apply. Our engine routes each application to the best-fit lender. Approvals, disbursements, and collections flow through the platform.

4

You Scale

New lenders = more products, better pricing, higher approval rates. Your business grows automatically.

For NBFCs & Fintechs

Unlock bank lending programs.
Grow beyond your balance sheet.

Whether you're a Tier 2/3 NBFC with feet on the ground or a digital fintech with a lending app, Kredlink gives you instant access to pre-integrated bank lending programs.

BC Model — For Non-Digital NBFCs

You have the borrowers. We give you the capital.

Operate as a Business Correspondent. You originate, the lender underwrites and funds. Zero capital required — earn commission on every disbursement.

  • Access bank-rate capital without raising a single rupee
  • Lend under the bank's brand — instant borrower trust
  • Fully compliant with RBI Business Correspondence guidelines
  • We handle all the lender integration and compliance paperwork
FLDG Model — For Digital Fintechs

You have the tech. We give you the lender access.

Put up a small First Loss Default Guarantee and access bank lending capital. RBI-compliant FLDG structure — scale disbursements without diluting equity.

  • Access multiple lenders through a single API integration
  • RBI-compliant FLDG structure with capped guarantees
  • Scale your loan book without raising more equity
  • Higher approval rates with multi-lender matching
For Banks & Large NBFCs

Reach every corner of India.
Without opening a single branch.

A ready-made network of pre-vetted origination partners in Tier 2, Tier 3, and rural India. Expand your lending footprint instantly.

Pre-vetted origination partners ready to go live in weeks

Zero credit risk — you underwrite, you own the book, partners originate

Unified dashboard to manage all partners from one place

Real-time monitoring of disbursements, portfolio quality, and compliance

Fully compliant with RBI Digital Lending Directions and FLDG guidelines

Expand to 50+ new districts without a single new branch

Why Kredlink

What makes us different

Pre-Integrated Programs

Tech, compliance, and operations already set up. You plug in and go — no figuring it out on your own.

Zero Capital Risk

BC model: lender funds the loan, you earn commission. FLDG model: your risk is capped at the guarantee amount.

Single API, Multiple Lenders

One integration = every lender on the platform. No separate builds for each bank or NBFC.

Regulatory Compliance Built In

DLD, FLDG caps, BC guidelines — all built into the platform. You stay compliant automatically.

Lending Partnerships Active

Partnered with banks and large NBFCs

Origination Partners Onboarding

NBFCs and fintechs going live across India

RBI Compliant

Built for DLD, FLDG, and BC regulations from day one

Ready to start lending?

Whether you're an NBFC looking to access bank capital or a bank looking to expand distribution — let's get you started.

hello@kredlink.com