FinTech Businesses Seeking Loan in Mumbai

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.

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.