Entitled Solutions

What Entitled Solutions does

Entitled Solutions (legal entity: Entitled Solutions Pvt. Ltd.), founded in 2019 and headquartered in Mumbai, operates a B2B2C financial wellness platform that channels micro-loans, insurance, savings products, government-scheme enrollment, and employer-run rewards to low-income and blue-collar workers in India. The company contracts with employers and gig-economy platforms — including Swiggy, Care24, Zypp, ChefKart, Zefo, XYXX, Ajanta Print Arts, and Signature Global — and onboards their workforce through a simple API integration that the company claims can go live within 48 hours. Underwriting is built on employment and performance data supplied by these employer integrations rather than traditional bureau history, allowing credit decisions for thin-file borrowers. End users access services through WhatsApp, a WebApp, or call-in numbers, reflecting a mobile-first distribution design that accommodates workers with limited smartphone access.

The platform aggregates three NBFC partners — Arthmate, Incred, and Avanti Finance — into a single lending marketplace offering micro-loans of ₹1,000–₹100,000 at APRs of 14%–60% with weekly or monthly repayment over 1–52 weeks. A sub-brand called SARVAM provides a streamlined micro-loan product (up to ₹50,000, ~20–26% APR) targeted at short-term needs. Beyond credit, Entitled bundles health insurance and diagnostics through partners including Acko, Digit Insurance, Apollo Clinic, and Lal PathLabs, and offers savings, government-benefits enrollment, and rewards modules. Core technology runs on AWS and GCP.

The revenue model is a marketplace commission structure: Entitled earns sourcing and facilitation fees from NBFC and insurance partners for loan applications and policy origination originated through the platform, with processing fees of 1%–5% (minimum ₹200–₹300) charged to borrowers. The employer side is positioned as zero-cost, with monetization entirely on the supply (financial product) side. The company has raised $1.3 million in seed funding (December 2023) and operates with an 11–50 employee base, led by co-founders Anshul Khurana, Arpan Jain, and Krishna Yadav.

Name

Entitled Solutions

Legal name

Entitled Solutions Pvt. Ltd.

Website

https://entitled.co.in

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Entitled Solutions is a Mumbai-based B2B2C financial wellness platform that partners with employers and gig platforms to deliver micro-loans, insurance, savings, and government benefits to low-income workers across India via WhatsApp, web, and phone channels.

Ownership category

akta.pro rank

Product category

Employee Benefits / Financial Wellness Platform

NAICS

Activities Related to Credit Intermediation (5223), Sales Financing (522220)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industries

Lending & Credit Disbursements (FSAMAKAH), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Employee benefits platform
• Micro-lending marketplace
• Financial wellness services
• NBFC lending aggregation
• Blue-collar workforce benefits

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction/Marketplace Fees: Entitled acts as a facilitator between workers seeking loans and NBFC/banking partners. The company earns fees from financial service providers for sourcing loan applicants and facilitating transactions. Processing fees (₹200-300 or 1-5% of loan amount) are charged by NBFC partners.
2. Credit Life Insurance/Add-on Services: Revenue may also be generated through ancillary financial products such as insurance and health plans offered alongside core lending products.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Entitled Solutions operates a B2B2C financial wellness and benefits platform for low-income and blue-collar workers in India. Through employer and gig-platform partnerships (Swiggy, Care24, Zypp, etc.), it aggregates micro-loans from regulated NBFC partners, low-cost health insurance, savings products, government scheme enrollment, and rewards, delivered to workers via WhatsApp, WebApp, or call-in. Credit access is underwritten using employment and performance data rather than traditional credit history.

Product overview

Entitled Solutions operates a benefits platform for low-income workers, combining financial services and health benefits. The core platform 'Entitled' enables access to products including loans (salary advances, personal loans, medical loans), Insurance & Health Plans, Savings Products, Government Benefits enrollment, and Rewards programs. The SARVAM sub-brand provides micro-loans (₹1,000–₹100,000) through regulated NBFC partners with flexible weekly/monthly repayment. Workers access services via WhatsApp, WebApp, or call-in numbers, with access based on employment and performance data.

Differentiator

Problem solved

Functional benefit

Brands

• Sarvam: A micro-loan product brand of Entitled Solutions offering short-term loans up to ₹50,000 for low-income workers, with interest rates ranging between 0.40% to 0.50% per week and loan tenure up to 25 weeks.

Products and services

• Entitled Platform Core B2B2C employee benefits platform that gives low-income and blue-collar workers access to loans, insurance, savings products, government benefits enrollment, and rewards programs through WhatsApp, WebApp, or call-in. Sold to employers and platforms (e.g., Swiggy, Care24, Zypp, ChefKart) who offer the service to their workforce at no cost.
• SARVAM Micro-Loans Short-term micro-loan product (sub-brand of Entitled Solutions) offering loans up to ₹50,000 to low-income workers, sourced via employer partnerships and disbursed through NBFC partners. Features weekly interest of 0.40%–0.50% (approx. 20.8%–26% APR), processing fee of ₹300 or 3% of loan amount plus GST, weekly repayment, and eligibility requiring monthly income ≥ ₹8,000 and ≥ 3 months of work experience.

Quantifiable outcome

• No upfront costs for employers — open complete bouquet of services at no cost
• +2 more outcomes

Named customers7 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered minor.

• AckominorOthersInsurance partner displayed in partner ecosystem logos. Provides insurance products integrated with Entitled platform.
• Digit InsuranceminorOthersInsurance partner displayed in partner ecosystem logos. Provides digital insurance products.
• Apollo ClinicminorOthersHealthcare partner providing clinic network access for health plans offered to workers.
• Lal PathLabsminorOthersDiagnostics partner providing laboratory services as part of health insurance offerings.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Refyne: Indian earned-wage-access platform offering salary advances and small-ticket credit to blue-collar and gig workers — the most direct functional competitor to Entitled's salary-advance and micro-loan proposition for the same workforce.
• SalarySe (Salary Earn): Salary-advance fintech targeting Indian blue-collar workers, embedded within employers' payroll systems — directly comparable on product (wage access), customer (low-income workers), and channel (B2B2C employer partnerships).
• FlexSalary: Indian salary-advance and personal-credit platform serving salaried and blue-collar employees — closely overlaps with Entitled's micro-loan and salary-advance offerings for similar workforce segments.
• KreditBee: One of India's largest digital lending platforms for salaried and self-employed borrowers, including blue-collar segments — directly competes in unsecured personal/micro-credit with comparable APR ranges and digital onboarding.
• MoneyTap: Indian digital personal-credit-line provider serving salaried consumers and small-ticket borrowers — comparable in product (unsecured installment/personal credit) and customer base (mid-to-low income salaried workers).
• CASHe: AI-driven digital lending platform targeting young salaried and blue-collar workers in India — directly comparable on target segment, ticket size, and short-tenure unsecured personal loans.
• MoneyView: Indian personal finance and lending platform offering personal loans and credit lines to salaried and self-employed borrowers — overlaps with Entitled on consumer credit distribution and borrower profile.

Broad incumbents

• Navi: Broad Indian fintech offering personal loans, home loans, and insurance — competes with Entitled in the personal-loan category for similar borrower segments, but operates a much wider product portfolio without a blue-collar specialization.
• Lendingkart: Indian digital lending platform with broader working-capital and consumer-credit products — adjacent competitor in the digital credit space targeting small businesses and underserved borrowers.

Emerging players

• Zolve: Cross-border financial services platform for Indian workers moving abroad — serves a related but distinct (international-migrant) blue-collar segment and competes for the same employer and platform distribution relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/entitledsolutions
• LinkedInlinkedin.com/company/entitledsolutions/mycompany
• Xx.com/entitledsol

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 records

Investors4 records

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

M&A

Investments

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

Frequently asked questions about Entitled Solutions