FinTech Company Seeking Loan in Bengaluru, India

- Managing a loan portfolio of over ₹1,300 Crores, with deep penetration across Tier 2 and Tier 3 markets.
- Successfully engaged 3.5+ million borrowers, building robust borrower intelligence datasets.
- Trusted by multiple partner lenders, including banks, NBFCs, and fintech platforms.
- The platform connects lenders and borrowers, but does not engage in lending or handle payment processing/settlements.
Diversified revenue model:
- Commission‑based income (10–36%) on recoveries.
- SaaS subscription (AI platform)
- One‑time setup and enterprise deployment fees.

- Technology‑led differentiation through proprietary voice AI, behavioral scoring, and integrated on‑ground operations (Pragati Kendras)
- Experienced leadership team with backgrounds at ICICI, FINO, Suryoday, IDBI, and Cashfree.
- Backed by reputed investors and industry leaders.

Current financial snapshot (latest month):
- Revenue: ₹49.3 Lakh.
- Total Cost: ₹49.6 Lakh.
- EBITDA / net profit: ₹ (0.31 Lakh) (nearing break‑even)

Cost structure overview:
Direct costs (₹34.9 Lakh):
- Telecalling & collections team: ₹23.8 Lakh.
- Field operations & Pragati Kendras: ₹6.8 Lakh.
- Supervisory staff: ₹4.3 Lakh.
Indirect costs (₹14.7 Lakh):
- Back office & support: ₹8.1 Lakh.
- Technology & infrastructure: ₹1.4 Lakh.
- Rent & administration: ₹2.6 Lakh.
- Statutory & other expenses: ₹2.6 Lakh.

Key financial insights:
- Business has achieved near break‑even at ~₹50 Lakhs monthly revenue run‑rate.
- Strong operating leverage: Incremental revenue expected to significantly improve margins.
- Cost base is largely variable and scalable, aligned with growth in collections volume.
- Transitioning toward higher‑margin SaaS and AI‑driven revenue streams.
- The business is registered with the MCA. No other industry‑specific registrations or certifications are required.