What Lentra does

Lentra is a Pune-headquartered, cloud-native SaaS lending platform founded in 2019 that sells a domain-native, API-first lending cloud to banks, NBFCs, fintech lenders, OEMs and select non-financial enterprises. Its Intelligent Lending Cloud Platform combines three core product pillars — GoNoGo® (AI/ML-powered Loan Origination System), 1LMS (Loan Management System) and a Data & Insights layer (MLOps) — with a deep bench of standalone modules including MultiBureau® (credit-bureau aggregator), GoGetr (third-party API integration layer with 250+ pre-integrated APIs), BREx (Business Rule Engine), Identity & Verification, vKYC, FileX (DMS), Collateral and Verification Management Systems, CoLending and the Cadenz behavioural-AI customer intelligence platform acquired from TheDataTeam in June 2022. The architecture is built on Kafka, Spring, TensorFlow, Node.js, React and Docker microservices with blue-green deployment, auto-scaling/healing and horizontal scaling, certified to ISO 27001/27017/27018/22301/27701, CSA STAR 1, SOC 2/3 and PCI-DSS.

Name

Lentra

Legal name

Lentra AI Private Limited

Website

https://lentra.ai

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Lentra is a Pune-based, cloud-native SaaS lending platform serving banks, NBFCs and fintechs across India and ASEAN with an API-first suite spanning origination, loan management, decisioning, KYC, and behavioural AI.

Ownership category

akta.pro rank

Product category

Cloud Lending Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182), Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

Finance Services (6199), Services-Prepackaged Software (7372)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

akta.pro secondary industries

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)

Keywords

• Cloud lending platform
• Loan origination system
• Loan management software
• Digital lending solutions
• Embedded finance APIs

Headquarters

HQ city

Pune

HQ country

India

HQ region

Asia

Offices9 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription (Pay-as-you-go): Primary revenue stream from cloud-based SaaS subscriptions priced on a pay-per-user or pay-per-transaction basis. Marketed as 'No CapEx' with rapid deployment and elastic scaling; supports horizontal scaling aligned to customer growth.
2. Usage-based / Transaction Fees: Usage-based pricing tied to loan applications, API calls (GoGetr processes >5M API calls/day), bureau queries (MultiBureau) and decisioning events (BREx, GoNoGo) - all consumed on a pay-as-you-go basis.
3. Implementation, Integration & Professional Services: One-time integration services via Lending Service Partner (LSP) program and embedded-finance partner integrations (one-time integration of open APIs); supported by consulting, configuration, and implementation services required for bank/NBFC deployments.

Pricing tiers

Go-to-market motion5 records

Core offering

Lentra is an API-first, cloud-native SaaS lending platform that provides banks, NBFCs, and fintech lenders with end-to-end digital lending infrastructure — including loan origination, loan management, credit decisioning, KYC/verification, bureau integration, collateral management, document management, co-lending orchestration, and customer behaviour analytics. Its microservices-based Intelligent Lending Cloud Platform exposes 250+ pre-integrated APIs for KYC, bureau, GST, payments, fraud, and OEM partners, and is offered on a pay-as-you-go SaaS model to financial institutions.

Product overview

Lentra offers a comprehensive cloud-based Intelligent Lending Cloud Platform structured as a platform-plus-modules architecture. The core platform consists of three primary solution pillars: Lentra GoNoGo® (Loan Origination System with AI/ML-powered decisioning), Lentra 1LMS (Loan Management System), and a Data & Insights Solution (Lentra MLOps for ML model deployment and Lentra TransferX for data migration). These are augmented by a suite of standalone solutions including Lentra MultiBureau® (credit bureau integration), Lentra GoGetr (third-party API integration layer with 250+ pre-integrated APIs), Lentra BREx (Business Rule Engine), Lentra AAConnect® (Account Aggregator), Lentra Identity & Verification, Lentra Collateral Management System, Lentra Verification Management System, Lentra FileX (Document Management), and Lentra CoLending. The platform supports an extensive portfolio of pre-configured lending journeys spanning retail (home, personal, vehicle, consumer durable, credit card, education, professional loans), business (business loans, vehicle financing, working capital, equipment finance, supply chain, anchor financing, dealer onboarding), and agri lending (agri-finance, cattle loan, KCC Tatkal, PM Jan Samarth/Vishwa Karma/Swanidhi), as well as emerging segments like Small Ticket Loans, BNPL, and OCEN integration. The Cadenz Customer Intelligence Platform (acquired from TheDataTeam in 2022) extends the offering into customer behavior analytics. Together these products form an end-to-end digital lending ecosystem for banks, NBFCs, and fintech lenders.

Differentiator

Problem solved

Functional benefit

Brands

• Cadenz: Customer behavior intelligence / analytics platform acquired via TheDataTeam acquisition (June 2022); described as the market's first Customer Intelligence Platform providing enterprises with live behavior intelligence about their customers.
• Lentra GoNoGo
• Lentra 1LMS
• Lentra MLOps
• Lentra MultiBureau
• Lentra GoGetr
• Lentra BREx
• Lentra FileX
• Lentra VideoPD
• Lentra vKYC

Products and services

• Lentra GoNoGo® AI/ML-powered Loan Origination System (LOS) providing low-code configurable workflows, real-time decisioning, dedupe logic, segmentation, scorecards, decision trees, Underwriter's Cockpit, API integrations for KYC/Bureau/Fraud/Financial/Social data, and end-to-end origination in under 60 seconds.
• Lentra 1LMS API-based Loan Management System supporting equated, non-equated, structured, graded, stepped, bullet, moratorium, multiple-tranche, bill-discounting, advance-EMI, credit-line, flat-interest, daily-payment and other repayment structures with co-lending, limit management, accounting and reporting modules, and plug-and-play single-day implementation.
• Lentra MLOps Centralized model registry and deployment platform with version control, rollback/redployment, role-based access, approval workflows, CI/CD for ML, and seamless plug-in to Business Rule Engines for hybrid deterministic + ML decisioning.
• Lentra MultiBureau® Credit-bureau aggregator that consolidates queries across major bureaus with rule-based bureau selection, automatic data formatting, analytical feedback and inbuilt rule engine; 25% bureau-spend savings.
• Lentra GoGetr Vendor-abstraction / API-integration layer with configurable low/no-code API onboarding, payload normalization, transaction reconciliation and reporting, processing over 5 million API calls daily with 1-3 business day API onboarding across 50+ fintech partners and 80+ OEMs.
• Lentra BREx Stateless Business Rule Engine for credit decisioning with multi-tier scorecards, automated policy-deviation management, early warning triggers, advanced ML/AI model invocation, simulator and rule optimizer; 50msec response time.
• Lentra Identity & Verification (ID&V) Standalone microsystem module with AI/ML-backed liveness detection, face matching, OCR-based and API-based ID verification (Aadhaar, PAN, DL, Passport, Voter ID, MNREGA, GST, CIN, UDYAM), pre-integrated Digilocker, deemed-KYC support, secure tokenized vault and multi-participant video KYC.
• Lentra Collateral Management System (CMS) Modular, API-first platform for collateral onboarding, valuation, legal checks, field investigations, charge management (maker-checker) and collateral linking/monitoring across gold, vehicles, property, livestock, FDs and insurance.
• Lentra Verification Management System (VMS) Modular verification platform covering field investigation (geo-tagging), valuation, legal verification, RCU, personal discussion, auto allocation, video discussion, data capture/scoring and role-based access.
• Lentra FileX (Document Management System) Dedicated DMS for lending with support for all file types (including audio/video), resumable upload, document attribute extraction, merge, duplicate image check, thumbnail creation, encryption, user authentication and version/audit history.
• Lentra CoLending AI-powered co-lending platform that bridges the credit gap through intelligent APIs for underwriting, data security, verification, disbursement, and collection; customizable protocols collate and underwrite data in under 20 seconds with 100% customizable APIs.
• Lentra Cadenz Behavioural-AI customer intelligence platform providing single customer view, real-time personalization, automated behaviour segmentation, natural-language concept discovery, native cloud/on-prem deployment; processes billions of customer interactions and tracks 500+ behavioural attributes per subscriber.
• Lentra VideoPD AI-facilitated video personal discussion tool with anti-spoof detection, location tracking, face matching, geo-fencing-based data mapping, configurable question sets and end-to-end encryption.
• Lentra vKYC Video-based Customer Identification Process (VCIP) compliant with RBI guidelines, supporting self-serve and assisted journeys with AI/ML scoring, on-screen capture of PAN/Aadhaar, and encrypted end-to-end recordings with audit trail.

Named customers29 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration25 records

AI capability16 records

Feature14 records

Partnerships

24 partnerships are on record, tiered flagship technology partner, technology partner, flagship acquisition, strategic technology partner, channel partner and embedded-finance channel partner.

• AWS (Amazon Web Services)flagship technology partnerTechnology or Integration · 13 December 2023Platinum Affiliate at the Lentra Digital Lending Summit 2023; senior AWS leaders (Anupam Mishra, Director AWS; Akshath KB, Head of Enterprise Greenfield, India - AWS) featured as speakers. AWS is referenced as the cloud-infrastructure partner for the Lending Cloud platform.
• MongoDBtechnology partnerTechnology or Integration · 13 December 2023Silver Affiliate at the Lentra Digital Lending Summit 2023; powers developer data and database infrastructure for fintech innovation.
• IDFYtechnology partnerTechnology or Integration · 13 December 2023KYC Affiliate at the Lentra Digital Lending Summit 2023; identity-verification and KYC integration partner.
• Arya.aitechnology partnerTechnology or Integration · 13 December 2023Silver Affiliate at DLS-2023; one of the first AI companies to pioneer deep-learning for BFSI; provides APIs for AI adoption across lending operations.
• Mihuptechnology partnerTechnology or Integration · 13 December 2023Silver Affiliate at DLS-2023; AI-powered Conversation Intelligence platform used in sales, collections and customer-service for lending companies.
• TheDataTeam (Acquired)flagship acquisitionStrategic or Co-development Partner · 29 June 2022Lentra acquired Chennai and Singapore-based AI company TheDataTeam to deploy its behaviour intelligence platform Cadenz for financial institutions. Cadenz is now part of Lentra and powers behaviour-analytics use cases for HDFC Bank, BPCL, Globe Telecom and others.
• Microsoftstrategic technology partnerTechnology or Integration · 29 June 2022Listed as a Cadenz platform partner (post-TheDataTeam acquisition); Cadenz is described as native to cloud and on-prem infrastructure.
• Google Cloudstrategic technology partnerTechnology or Integration · 29 June 2022Cadenz platform partner; cloud-infrastructure provider for Cadenz deployments.
• Clouderatechnology partnerTechnology or Integration · 29 June 2022Cadenz platform partner; data-platform provider supporting large-scale customer analytics.
• Databrickstechnology partnerTechnology or Integration · 29 June 2022Cadenz platform partner; unified data analytics platform for behaviour data at scale.
• NSDLchannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP) that integrates Lentra's APIs to enable lenders access to verified PAN, identity and depository data.
• Perfioschannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); financial-data aggregation partner integrated via Lentra's APIs.
• Signzychannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); digital onboarding and KYC partner.
• Zest (ZestMoney)channel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); digital lending and embedded-finance partner.
• CRIFchannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); credit-information and bureau-services partner.
• Equifaxchannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); credit-information and bureau-services partner.
• TransUnion (CIBIL)channel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); credit-information and bureau-services partner (CIBIL).
• JioMartembedded-finance channel partnerOEM/ Whitelabel/ Licensing Partner · 1 January 2022Lending Service Partner (LSP); embedded-finance marketplace partner.
• Hindustan Unileverchannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); consumer-goods ecosystem partner.
• Byju'schannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); edutech partner enabling education-loan distribution.
• Colgatechannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); consumer-goods ecosystem partner.
• Karzatechnology partnerTechnology or Integration · 1 January 2022Lending Service Partner (LSP); KYC, due-diligence and data-verification technology partner (referenced in MultiBureau and GoGetr pages).
• Maruti Suzukichannel partnerChannel Partner/ Reseller/ Distributor · 1 January 2022Lending Service Partner (LSP); automotive OEM ecosystem partner for vehicle financing.
• IDfytechnology partnerTechnology or Integration · 1 January 2022Lending Service Partner (LSP); identity-verification technology partner.

Scale indicators12 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• nCino: nCino provides a cloud-based bank operating system covering commercial, retail and SMB lending, including loan origination, onboarding, and account opening. It competes head-to-head with Lentra for bank LOS/LMS modernisation deals in India and globally.
• Newgen Software: Newgen Software is an Indian BPM and content-services vendor with established loan origination and customer-onboarding products deployed at banks and NBFCs. It competes with Lentra for similar digital-lending modernisation RFPs.
• Signzy: Signzy provides digital onboarding, video KYC and identity-verification APIs for banks and NBFCs in India. It is a named LSP partner of Lentra and a direct competitor in the digital KYC/vKYC module.
• Mambu: Mambu is a cloud-native core banking and loan-origination SaaS platform serving banks and lenders globally, with composable APIs and pay-as-you-go pricing closely mirroring Lentra's GoNoGo/1LMS architecture. It is the most comparable global lending-cloud competitor.
• Perfios: Perfios is a Bangalore-based fintech-data aggregation and decisioning platform used heavily by Indian lenders for financial-statement analysis, KYC and bureau data — directly comparable to Lentra's GoGetr/MultiBureau API layer.
• Intellect Design Arena: Intellect Design Arena is an India-headquartered banking software vendor offering i loan origination, lending operations and digital lending suites to banks and NBFCs. It is a direct domestic competitor with broader portfolio scale.
• Karza Technologies: Karza is an India-based data, KYC and due-diligence API platform used by lenders and fintechs for bureau, identity and fraud checks. It is one of Lentra's listed LSP partners and a direct competitor in the KYC/data-verification layer.

Broad incumbents

• Temenos: Temenos is a global core-banking and loan-origination platform serving retail and corporate banks. It competes with Lentra at the top end of the bank modernisation market and bundles lending modules inside broader core suites.
• Finastra: Finastra is a large global financial-software incumbent offering lending, treasury and core-banking solutions to banks worldwide. It represents the established incumbent alternative to Lentra in large bank RFPs.

Regional players

• Finacus Solutions: Finacus is an India-focused banking-software and digital-lending solutions provider serving banks, NBFCs and cooperative banks with origination, collections and mobility offerings. It is a domestic regional competitor in the Indian lending-SaaS market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/lentra
• YouTubeyoutube.com/channel/UCUnrvCyvzQKYBGKCFbSAA1g
• Facebookfacebook.com/lentraai
• LinkedInlinkedin.com/company/lentra

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries5 records

Funding overview

Funding rounds4 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lentra