Bizloan
Bizloan Private Limited is an RBI-approved Indian NBFC (founded 2017, Gurugram) that lends to micro, small, and medium enterprises in underserved Tier 2/3 markets via secured MSME, construction, renovation, and home purchase loans, distributed through a multi-state branch network and online origination.
- Company typePrivate
- Founded2017
- HeadquartersDelhi, India
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Bizloan does
Bizloan Private Limited is a Gurugram-headquartered, RBI-approved Non-Banking Finance Company (NBFC – Type 2) founded in 2017 that extends secured and unsecured credit to micro, small, and medium enterprises (MSMEs) in India, with a stated focus on underserved Tier 2 and Tier 3 "Bharat" markets. Its loan portfolio comprises four products: Secured MSME Business Loans (₹3–30 lakhs), Construction Loans (₹1–30 lakhs), Renovation Loans (₹2–15 lakhs), and Home Purchase Loans (₹3–50 lakhs), supported by two branded variants (Samriddhi/Pragati and Unnati) differentiated by loan-to-value parameters. The underlying platform combines a branch-led direct sales motion with digital origination, including an online eligibility check, EMI and APR calculators, and what the company describes as an "Innovative Credit Assessment" using advanced analytics to underwrite thin-file borrowers.
Bizloan generates revenue primarily through interest income on its loan book plus one-time processing fees at origination, with stated value propositions of approvals within three working days, disbursement within seven working days, minimal documentation, and flexible (daily/weekly/monthly) repayment. Distribution is hybrid: physical branches across Delhi, NCR, Haryana, Uttar Pradesh, Uttarakhand, Rajasthan, Karnataka, and Maharashtra, complemented by an online application portal and phone/contact-center outreach.
Capital structure reflects an early-stage scaling profile. As of January 2025, the company closed a Series A of INR 35 crore (approximately US$4 million) co-led by Michael & Susan Dell Foundation and BLinC Invest, with Resurgent India as financial advisor, against a post-money valuation of INR 49 crore (pre-money INR 14 crore). The leadership team, including CEO Rahul Jain, Deputy CEO Abhishek Mishra, and CFO Vikram Diwan, is drawn principally from ICICI Bank, HDFC Bank, ING Vysya/Kotak Mahindra, SCB, and other established banks, lending credibility to underwriting and collections but not constituting an AI/ML-native technology stack.
Bizloan firmographics
Firmographics- Name
- Bizloan
- Legal name
- Bizloan Private Limited
- Website
- https://bizloanindia.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Bizloan Private Limited is an RBI-approved Indian NBFC (founded 2017, Gurugram) that lends to micro, small, and medium enterprises in underserved Tier 2/3 markets via secured MSME, construction, renovation, and home purchase loans, distributed through a multi-state branch network and online origination.
- Ownership category
- akta.pro rank
Bizloan industry classification
Industry- Product category
- MSME Lending
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Bizloan is headquartered
LocationHeadquarters
- HQ city
- Delhi
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Bizloan business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Interest Income from MSME Loans: Bizloan generates revenue primarily through interest income charged on secured and unsecured business loans extended to micro, small, and medium enterprises. The company offers various loan products including MSME business loans, construction loans, renovation loans, and home purchase loans with varying interest rates and tenures.
- Processing Fees: One-time processing fees charged upfront at loan initiation to cover legal and documentation charges
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Unsecured Business Loans - up to ₹30 Lacs |
| Unit Pricing | Monthly | Secured Business Loans - ₹3-30 Lacs |
| Unit Pricing | Monthly | Renovation Loans - ₹2-15 Lakhs |
| Unit Pricing | Monthly | Construction Loans - ₹1-30 Lakhs |
| Unit Pricing | Monthly | Home Purchase Loans - ₹3-50 Lakhs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Bizloan product offering
Product offeringCore offering
Bizloan is a Reserve Bank of India-approved Non-Banking Finance Company (NBFC - Type 2) that provides secured and unsecured business loans to micro, small, and medium enterprises (MSMEs) in India. The company offers four core loan products: Secured MSME Business Loans (₹3-30 lakhs), Construction Loans (₹2-30 lakhs), Renovation Loans (₹2-15 lakhs), and Home Purchase Loans (₹3-50 lakhs), with quick approvals within 3 working days and flexible repayment schedules.
Product overview
Bizloan is a Non-Banking Finance Company (NBFC Type 2) providing secured and unsecured credit solutions to micro and small enterprises across India. The product portfolio centers on four core lending products: Secured MSME Business Loans (up to ₹30 lakhs), Construction Loans (up to ₹30 lakhs), Renovation Loans (up to ₹15 lakhs), and Home Purchase Loans (up to ₹50 lakhs). The company also offers an online APR Calculator tool for loan assessment. All products are designed to serve underserved markets in Bharat with quick approvals and flexible repayment options.
Differentiator
Problem solved
Functional benefit
Brands
- Samriddhi (Pragati): MSME loan product offering up to 3-30 lakhs with 50% loan amount of property value.
- Unnati
Products and services
- Secured MSME Business Loans
Quantifiable outcome
- Loan approval within 3 working days and disbursement within 7 working days
- +1 more outcomes
Companies that use Bizloan
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles1 record
Bizloan technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Bizloan partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Multiple Lending PartnersminorBizloan works with multiple lending partners and financial institutions including banks and NBFCs to facilitate loan products. Partners include various unnamed banks and financial institutions shown in partner logos.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Bizloan competitors and assessment
Company assessmentBroad incumbents
- State Bank of India (SBI): India's largest public-sector bank with an extensive MSME lending program including Mudra and other small-business loan schemes. Broad incumbent offering government-backed alternatives to NBFC MSME loans.
- HDFC Bank: India's largest private-sector bank with a substantial MSME lending portfolio and growing digital/SME banking initiatives. Broad incumbent that competes with Bizloan for small-business credit.
- Bajaj Finserv: One of India's largest NBFCs with a deep MSME and consumer lending portfolio. A broad incumbent competitor in the same overall market (MSME/business credit) but with substantially larger scale, broader product range, and lower concentration in micro-business lending.
Direct peers
- Kinara Capital: Indian NBFC providing collateral-free business loans to women-led and small enterprises in semi-urban and rural India. Closely comparable to Bizloan's mission of serving underbanked small businesses via a hybrid digital-branch distribution model.
- Lendingkart: Indian fintech NBFC focused on unsecured working-capital loans to MSMEs and small businesses via a digital-first model. Directly comparable to Bizloan in target customer (Indian MSME borrower) and product type (business loans), though Lendingkart skews slightly more urban in its borrower mix.
- Aye Finance: Indian NBFC providing secured business loans to micro and small enterprises, particularly in Tier 2/3 cities and the informal sector. Closely comparable to Bizloan in target segment (underserved micro/small businesses), product mix (secured MSME loans), and phygital go-to-market.
- MAS Financial Services: Indian listed NBFC focused on MSME/SME lending, micro-enterprise loans, and two-wheeler finance. Comparable to Bizloan in micro/small business lending focus and multi-state geographic footprint across India.
- Indifi Technologies: Indian digital lending platform offering unsecured business loans to SMEs across sectors. Comparable in target segment (small businesses seeking working capital) and tech-driven underwriting approach, though Indifi operates more digitally and serves somewhat larger SMBs on average.
- IIFL Samman Finance: Subsidiary of IIFL Finance providing small-ticket MSME loans to informal and underbanked borrowers in India. Directly comparable to Bizloan's customer segment and small-ticket MSME lending model.
Emerging players
- Stashfin: Indian digital lending startup serving salaried and self-employed borrowers with credit-line products. Adjacent comparison as an emerging digital lender; partial overlap with Bizloan's self-employed borrower segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Bizloan social profiles
Digital presenceBizloan financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bizloan leadership team
Management profileNumber of profiles
Profiles11 records
Bizloan funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bizloan M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bizloan
What does Bizloan do?
Bizloan is a Reserve Bank of India-approved Non-Banking Finance Company (NBFC - Type 2) that provides secured and unsecured business loans to micro, small, and medium enterprises (MSMEs) in India. The company offers four core loan products: Secured MSME Business Loans (₹3-30 lakhs), Construction Loans (₹2-30 lakhs), Renovation Loans (₹2-15 lakhs), and Home Purchase Loans (₹3-50 lakhs), with quick approvals within 3 working days and flexible repayment schedules.
Is Bizloan a public or private company?
Bizloan is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bizloan founded?
Bizloan was founded in 2017. It employs 101 to 250 people.
Where is Bizloan based?
Bizloan is headquartered in Delhi, India, in the Asia region.
How does Bizloan make money?
Two revenue lines are on record. Interest Income from MSME Loans are the primary driver. The others are processing Fees.
Who are Bizloan's main competitors?
Broad incumbents on record are State Bank of India (SBI), HDFC Bank and Bajaj Finserv. Direct peers are Kinara Capital, Lendingkart, Aye Finance, MAS Financial Services, Indifi Technologies and IIFL Samman Finance. Stashfin is listed as an emerging player.
Does Bizloan have an API?
No public API is recorded for Bizloan.
What industry is Bizloan in?
Bizloan's product category is MSME Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its SIC code is 6153.