Trillionloans
Trillionloans is an Indian NBFC subsidiary of BharatPe that provides technology-enabled merchant loans to SMEs, operating as the captive lending arm of its parent fintech to expand credit access for underserved small businesses.
- Company typePrivate
- Founded2022
- HeadquartersMumbai, India
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Trillionloans does
Trillionloans (legal name: Trillion Loans; DBA: Trillionloans Fintech) is an Indian Non-Banking Financial Company that operates as the merchant lending arm of BharatPe, a New Delhi-headquartered fintech. The entity was established circa 2022 and is headquartered in Mumbai, India. It positions itself as a digital lending platform that uses technology and data science to expand credit access for SMEs and consumers underserved by traditional banks, with its primary product being merchant loans disbursed to small and medium-sized businesses within BharatPe's network. Since BharatPe acquired a majority stake in May 2023, the company has functioned as a captive credit vehicle inside the parent's broader payments and financial services stack, with no standalone consumer-facing app or API documented.
The business model is debt-funded merchant lending underwritten through the parent ecosystem. Rather than pricing publicly or operating independent distribution, Trillionloans leverages BharatPe's installed merchant base for loan origination. Capital has come primarily through parent equity infusions (notably $8-9 million in August 2024 to consolidate ownership to ~60%) and participation in BharatPe's $100 million debt round in January 2024, which included Credit Saison and InnoVen Capital as debt providers. The company has explicitly chosen debt over equity financing to avoid dilution as it approached break-even. BharatPe has progressively increased ownership — approximately 60% by August 2024, 74% by September 2025, and 76% by May 2026 — with a stated plan to reach 100% ownership within 24 months. No standalone revenue figure for Trillionloans is disclosed; the parent BharatPe reported Rs 1,486 crore in FY24 and Rs 1,667 crore in FY25.
Trillionloans firmographics
Firmographics- Name
- Trillionloans
- Legal name
- Trillion Loans
- Website
- https://trillionloan.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Trillionloans is an Indian NBFC subsidiary of BharatPe that provides technology-enabled merchant loans to SMEs, operating as the captive lending arm of its parent fintech to expand credit access for underserved small businesses.
- Ownership category
- akta.pro rank
Trillionloans industry classification
Industry- Product category
- Digital Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Microloans & Working Capital Loans (FSAKAGAA)
- akta.pro secondary industries
- B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
Keywords
Where Trillionloans is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Markets served
Trillionloans business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Trillionloans product offering
Product offeringCore offering
Trillionloans is a Non-Banking Financial Company (NBFC) and the dedicated lending arm of BharatPe. It disburses credit to small merchants and SMEs, while also extending consumer credit products, leveraging proprietary technology and data science to underwrite and serve borrowers digitally.
Product overview
Trillionloans is an NBFC (Non-Banking Financial Company) and lending arm of BharatPe. It operates as a merchant lending platform that disburses loans to merchants, functioning as part of BharatPe's financial services portfolio. The company has raised debt funding and is majority-owned by BharatPe, which has been increasing its stake with plans for full acquisition.
Differentiator
Problem solved
Functional benefit
Products and services
- Merchant Loans Credit facility extended to small merchants and SMEs associated with the BharatPe merchant network for working capital and business expansion.
- Consumer Credit Credit products targeted at individual consumers, complementing the merchant lending business.
Companies that use Trillionloans
Customer profileIdeal customer profiles2 records
Trillionloans technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Trillionloans partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights3 records
Trillionloans competitors and assessment
Company assessmentEmerging players
- ZestMoney: India-based BNPL and digital lending platform offering EMI-based credit to consumers and small merchants. Comparable in targeting thin-file Indian borrowers with tech-led underwriting for point-of-purchase credit.
Direct peers
- Lendingkart: India-based NBFC providing working capital and SME term loans to small businesses using digital underwriting. Directly comparable as a tech-led SME lender serving underserved merchants in India.
- Flexiloans: Indian digital lending platform offering collateral-free business loans to SMEs and MSMEs. Closely comparable business model, customer segment (Indian merchants), and tech-led underwriting approach.
- Indifi Technologies: India-based SME lending platform that uses data partnerships to underwrite small business loans. Directly comparable in targeting Indian SME merchants with technology-driven credit decisions.
- Capital Float (axio): Indian digital NBFC offering working capital, supply chain financing, and consumer credit. Comparable as a fintech NBFC focused on SME and merchant lending in India.
- KreditBee: Indian digital lending NBFC offering personal and small business loans through a mobile-first platform. Comparable as an Indian NBFC with a similar tech-led, data-driven approach to underserved credit segments.
- MoneyTap: India-based digital lending app offering personal lines of credit and small business loans through NBFC partnerships. Comparable in operating as a digital-first lending NBFC serving Indian consumers and small businesses.
- CASHe: Indian digital lending platform providing short-term personal and merchant credit to salaried and self-employed segments. Comparable in using AI-driven underwriting for thin-file borrowers in India.
Broad incumbents
- BharatPe: Parent company and majority owner of Trillionloans, providing merchant payments, lending, and other fintech services across India. Included as the parent ecosystem that anchors Trillionloans' merchant acquisition.
- Paytm: Large Indian digital payments and financial services platform offering Paytm Postpaid and merchant lending products. Comparable as a broad incumbent in payments-embedded merchant credit in India.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights4 records
Customer concentration
Trillionloans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Trillionloans leadership team
Management profileNumber of profiles
Trillionloans funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Trillionloans 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 Trillionloans
What does Trillionloans do?
Trillionloans is a Non-Banking Financial Company (NBFC) and the dedicated lending arm of BharatPe. It disburses credit to small merchants and SMEs, while also extending consumer credit products, leveraging proprietary technology and data science to underwrite and serve borrowers digitally.
Is Trillionloans a public or private company?
Trillionloans is a private company. It is classified as corporate owned and is currently operating.
When was Trillionloans founded?
Trillionloans was founded in 2022. It employs 11 to 50 people.
Where is Trillionloans based?
Trillionloans is headquartered in Mumbai, India, in the Asia region.
Who are Trillionloans's main competitors?
ZestMoney is listed as an emerging player. Direct peers are Lendingkart, Flexiloans, Indifi Technologies, Capital Float (axio), KreditBee, MoneyTap and CASHe. Broad incumbents are BharatPe and Paytm.
Does Trillionloans have an API?
No public API is recorded for Trillionloans.
What industry is Trillionloans in?
Trillionloans's product category is Digital Lending. Its primary akta.pro industry code is FSAKAGAA, Microloans & Working Capital Loans, with a secondary code of FSAKACAJ, B2B BNPL (Invoice Split/Net Terms for SMB Procurement). Its NAICS code is 52222 and its SIC code is 6153.