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Lendingkart Group aims to make working capital finance available at the fingertips of entrepreneurs, so that they can focus on business instead of worrying about the gaps in their cash-flows.

Lendingkart Technologies Private Limited is a fin-tech startup in the working capital space. The Company has developed technology tools based on big data analysis which facilitates lenders to evaluate borrower’s credit worthiness and provides other related services. Lendingkart Finance Limited (formerly Aadri Infin Limited), is a non-deposit taking NBFC of Lendingkart Group, providing SME lending in India. The NBFC aims to transform small business lending by making it convenient for SMEs to access credit easily. The Company uses technology and analytics tools, analyzing thousands of data points from various data sources to assess the creditworthiness of small businesses rapidly and accurately.


1. Niche product.
2. Largest NBFC in terms of reach.

1. Strong technology and product backing.
2. Right team for execution and delivery of services.
3. Digital platform enhances scalability

Lendingkart Finance Limited, unlike banks and other NBFCs, do not focus on vendor’s old records (Past Financial Statements and Income Tax returns) to evaluate the credit risk profile of a potential client. The NBFC focuses on the client’s current year’s cash flows and business growth. The objective is to make capital funds available at finger tips so that entrepreneurs can focus on business instead of worrying about gaps in their cash-flows.

Lendingkart Group NBFC has been part of many success stories of clients who come from various business sectors and parts of the country that ranges from Kashmir to Kanyakumari and Rajasthan to Arunachal Pradesh. Its lending journey in the past 2.5 years has been incredible. The company has managed to establish out footprint in 450 cities across 28 states in India. Customers in all these cities have been able to bring significant difference in their business with the help of its financial services.

Lendingkart Group NBFC enables SMEs to apply for loans on basis of an online application. The NBFC has algorithms, using their proprietary knowledge to do credit scoring. Those algorithms uses over 2200 + raw data points to generate a lending decision almost instantaneously resulting in loan approval within 4 hours of submitting documents and loan disbursal within 72 hours from the time of application. The group offers a highly accessible, simple and flexible online platform to the SMEs. The NBFC assesses credit worthiness of borrowers based on their online foot print. Without any collateral, the digital lending platform provides short term working capital loans of INR 50,000 to INR 10 Lakhs based on an online form filled by the borrower in a short span of 15 minutes. Enough data is available to determine a customer’s intent to pay back a loan, quality of his product/service, financial health of his business, and ability to survive with competition etc.

Lendingkart Group’s vision is to reach out to and facilitate every single SME who is in need for working capital credit and bring a difference in their business. Their aim is to touch farthest corners of the country and ensure no SME is left underserved.

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