For Capital Partners

Connect with 100+ debt distribution partners with a single integration.

One API, every fintech and NBFC originator in India. We standardise applications, run the BC and FLDG plumbing, and route only what matters to your credit team. Zero tech build, zero cost to your institution.

Become a Capital Partner → See how it works

₹43,000 Cr

BC / FLDG market

1 Integration

All originators

Zero Cost

To supply partners

Capital partner dashboard

Live Pipeline · Today

FlexiCapital → MSME

122 apps · 89 approved · ₹6.2 Cr

73%

GreenFin → EV Finance

48 apps · 32 approved · ₹1.8 Cr

67%

Veritas → SCF

76 apps · 51 approved · ₹4.1 Cr

67%

Live 3 originators ₹12.1 Cr today

Build once. Distribute through every fintech and NBFC in India.

The integration layer between your credit team and India's originator network — without the bespoke API builds.

Without Kredlink

With Kredlink

✕50+ individual integrations and compliances to manage

✓1 API integration and standard compliance, all originators

✕Months to onboard each new originator

✓New partners live in days, not months

✕Inconsistent data formats and quality

✓Standardised KYC, bureau, and docs in your exact format

✕Manual reconciliation per partner

✓Automated reconciliation and reporting

✕No unified pipeline visibility

✓Real-time dashboard across all partners

How it works

From application to disbursal — your credit team only sees clean, structured packages.

We handle the messy middle: tech integration, compliance, document standardisation, and reconciliation. You focus on the credit decision.

Stage 01

NBFCs & Fintechs

Borrower acquisition

Data collection

Soft collections

Fintechs · NBFCs

Stage 02 · Kredlink

Integration Layer

Tech integration

Compliance layer

Data routing & reconciliation

Program matching

RBI-compliant · Pass-through PII

Stage 03

Your Institution

Credit decisioning

Capital deployment

Risk management

Banks · Large NBFCs

One integration with Kredlink = access to every originator across India. No individual API builds, no per-partner reconciliation.

Originate

Originator identifies the borrower, collects consent, and submits the application through the Kredlink app.

Orchestrate

Kredlink runs soft checks and standardises everything to your format.

Decide

Your credit team receives a complete, standardised package. Approve, reject, or request more info — all through the dashboard or your own app.

Disburse

On approval, Kredlink triggers eNACH mandate setup, coordinates disbursal, and confirms status in real time.

What you get

Reach, quality, and visibility — without the operational tax.

100+

originators on tap

A network you can grow into

Pre-vetted fintechs and NBFCs across products and geographies. Add new partners without adding new integrations — they're already on Kredlink.

100%

standardised applications

Decisions, not data fixes

Every application lands with completed eKYC, bureau reports, and validated documents in your exact format. Your credit team underwrites; we handle the cleanup.

Live

pipeline dashboard

Visibility across every originator

Conversion, rejection reasons, turnaround times, volume trends — all on one screen, updated in real time. Catch issues the day they start, not the month after.

Two ways to partner

Pick the structure that fits your risk appetite.

Same single integration. Same dashboard. You decide whether you want full credit risk and full spread, or shared risk with a built-in cushion.

Business Correspondent (BC)

Your book, your spread

Originators source and onboard borrowers as your BC. Loans sit on your balance sheet, you keep the spread and the customer relationship. The originator earns a sourcing fee.

RiskFull credit risk on your books

Your costZero — to your institution

First-Loss Default Guarantee (FLDG)

Shared risk, faster scale

The originator commits a first-loss guarantee on the pool — typically 5% per RBI cap. They absorb early defaults, which de-risks your exposure and aligns incentives on quality from day one.

RiskOriginator absorbs first-loss tranche

Your costZero — to your institution

Compliance & risk

RBI-compliant by design — not bolted on after.

Every flow on Kredlink is built to the RBI Digital Lending Directions 2022 and 2025 Guidelines. Your compliance team reviews the framework once; we keep it current.

RBI DLD 2022 Compliant

Full adherence to Digital Lending Directions. Loan disbursed directly to borrower's account. All KYC norms followed.

Data Pass-Through Only

Kredlink routes encrypted borrower data without storing PII. Data Processing Agreement with each partner.

Named Lender Consent

Borrower consents to the specific named lender. No hidden routing. Transparent disclosure per RBI guidelines.

BC Due Diligence

Every originator vetted by Kredlink: CIBIL check, financial audit, RBI registration verification, promoter KYC.

FLDG Cap Compliance

FLDG arrangements capped at 5% of loan portfolio per RBI direction. Escrow-based guarantee mechanism.

Audit Trail & MIS