●
Aims to provide more than 70 lakh loans to retail borrowers in the next
couple of quarters through this stack by this year
● Several lenders have already achieved monthly disbursals of Rs 250 crore through this stack.
Mumbai February 5, 2025: FinBox, a leading credit infrastructure
and risk intelligence platform has announced the launch of its Partnership
Lending Stack 2.0 (PL Stack 2.0) at the Bharat Fintech Summit, 2025. This
comprehensive vendor journey solution for lenders will enable banks, NBFCs, and financial
institutions to streamline partnership-driven lending and launch embedded
lending products in weeks.
Through a full suite vendor journey solution for partner discovery, onboarding, and management,
lenders can accelerate time to market, cut costs, and scale efficiently.
Already live with several major NBFCs, the PL Stack 2.0 is powering the launch
of credit products on platforms like payment apps, UPI apps, marketplaces, and
e-commerce platforms. Some lenders have already reached monthly disbursals of
₹250 crore using this solution.
“It is time we
start viewing credit with a last mile approach. When a small business owner
needs working capital, they're more likely to consider it while managing their
digital business account than during a bank visit. When a consumer needs a
personal loan, they're more likely to accept it during their shopping
experience than through a cold call from their bank.” said Rajat Deshpande, CEO of FinBox.
FinBox is targeting
a milestone of providing more than 70 lakh loans to retail borrowers in the
next couple of quarters through this stack. The company counts large lenders,
including private banks, small finance banks, NBFCs, FinTech, and UPI apps
among its key customers.
Most consumer
platforms have vast user bases but lack lending capabilities, while banks and
NBFCs have capital but limited reach. Partnership lending bridges this gap by
embedding credit solutions into the digital platforms where Indians already
live, work, and transact. The launch of the Partnership Lending Stack is a key
milestone in FinBox’s mission to build a connected and collaborative lending
ecosystem.
About:
Partnership Lending Stack 2.0 (PL Stack 2.0)
The PL Stack also pre-integration LSPs with pre-verified marketplaces,
fintech superapps, and DSAs for instant activation, modular APIs and SDKs to
ensure connectivity with partner systems, customizable partner programs to
define boundaries, configure workflows, and adapt to partner-specific
requirements with ease. Lenders can alsp gain deep insights like partner
performance, funnel optimization, and actionable data.
The PL stack’s standout feature, the Partnership Control Plane
provides lenders with a centralized dashboard to manage partnerships, track
risk, and enable timely decision-making.
About FinBox:
FinBox offers a product suite and credit infrastructure for businesses
to provide tailored credit products to their customers & partners.
FinBox has built a state-of-the-art credit infrastructure that makes
business easy and allows companies to focus on building the business while we
take care of the credit. We’re a full-stack lending infrastructure company that
enables any enterprise to launch and scale credit offerings. FinBox’s
end-to-end API infrastructure and risk intelligence suite enable our customers
to offer tailored credit products at speed and extend credit to even the
smallest of businesses, including MSMEs, who may have limited or no credit
history to rely on.
Our product suite includes a bank statement analyzer, alternate data
underwriting engine, LOS, journey orchestration, partner management modules,
business rules engine, and multi-bureau analytics platform.