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Fintech Lending - Coggle Diagram
Fintech Lending
LendingKart - 2014
MSME loans
Operates as an NBFC
Bigdata Analytics to determine borrowers creditworthiness. Quicker than traditional banks
Capital Float -
Financial loans and business credit
Planning to reach out to kirana stores owners and small merchants
Amazon has invested in it
Proprietary loan underwriting systems
NeoGrowth
SME loans
small and medium size retailers and online vendors
6000 lenders and 30,000 borrowers
1 cr loan disbursements every month
Faircent - P2P lending
Individual can lend money to a borrower
lending marketplace equipped with technology - connecting borrowers and lenders
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InCred -2016
personal loan, education loan
SME loan, two wheeler loan
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Cashe
personal loans
Social Loan Quotient - smartphone metadata, social media footprint, education, monthly salary, experience, standard KYC to assess creditworthiness of the borrower
Cointribe
Instant business loans - 1L to 50L
Paperless, physical document pickup once loan is approved
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MoneyTap - 2016
Personal Finance, underwriter RBL Bank
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Shubh Loans
loans - 75k - 5L
provide loans to the underserved segments in india
Agent pickup documentation
Not 100% digital
Happy Loans ------Ayushi
loans against receivables to retail merchants acquired by merchant aggregators
Happy loans get electronic transaction data of retail merchants through merchant aggregators like FlipKart etc. that helps them underwrite the loans
6 month repayment and insurance covered
The aggregator helps in loan settlement through daily split settlements
Kabbage in the US is doing something similar
SalaryDost - personal loans
Uses credolab as a means to do alternative scoring through smartphone metadata
Loans - 3000 to 1L
Duration = 1month to 24 months
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