Buddy Loan
Buddy Loan is an India-based digital loan aggregator marketplace that connects individual and small-business borrowers with 38+ RBI-registered banks and NBFCs across personal, business, gold, and credit card products via a mobile app and website.
- Company typePrivate
- Founded2019
- HeadquartersBangalore, India
- Headcount51–100
- GTM typeB2C
- OfferingDigital Commerce or Content
What Buddy Loan does
Buddy Loan, operated by Bvalue Services Pvt. Ltd., is an India-based digital loan aggregator marketplace headquartered in Bangalore. The company connects individual and small-business borrowers with 38+ RBI-registered lending partners — including banks such as Kotak Mahindra and IndusInd, NBFCs such as Bajaj Finserv, Tata Capital, and Muthoot Finance, and small finance banks such as Unity — across personal loans (up to ₹35 Lakhs), business loans (up to ₹50 Lakhs–₹2 Crore), gold loans (up to ₹2 Crore), credit cards, and a forthcoming Loan Against Property product. The platform runs a 100% digital application flow with PAN-based credit report fetching, eligibility and EMI calculators, and is delivered via a website and mobile app with 40M+ downloads and a 4.5 Google Play rating.
The underlying technology stack is a standard fintech marketplace: a web and mobile front end, lender API/integration layer, and supporting consumer tools such as a free credit-score checker and city-level gold-rate pages. The company holds ISO 27001:2022 certification for information security management. Core products are free to the borrower; Buddy Loan monetizes through referral fees and marketplace commissions paid by partner lenders on successfully disbursed loans, with no subscription or ancillary fee streams disclosed. Customer segments are horizontal: salaried individuals, self-employed and business owners, and gold asset holders across 19K+ Indian pin codes, supported by a digital-first, product-led growth motion.
Founders Srikanth Bureddy and Satish Saraf lead a team of 51–100 employees. Disclosed operational metrics include ₹20B+ in cumulative loan amount disbursed across 2.16M loans and 500K+ five-star reviews. The company is private, has no disclosed venture funding, no parent company, and operates exclusively in the Indian market.
Buddy Loan firmographics
Firmographics- Name
- Buddy Loan
- Legal name
- Bvalue Services Pvt. Ltd.
- Website
- https://buddyloan.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Buddy Loan is an India-based digital loan aggregator marketplace that connects individual and small-business borrowers with 38+ RBI-registered banks and NBFCs across personal, business, gold, and credit card products via a mobile app and website.
- Ownership category
- akta.pro rank
Buddy Loan industry classification
Industry- Product category
- Loan Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
- akta.pro secondary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
Keywords
Where Buddy Loan is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Buddy Loan business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Lead Generation/Referral Fees: Buddy Loan acts as a loan aggregator, earning referral fees or commissions from lending partners when loans are successfully disbursed through their platform.
- Marketplace Commission: Revenue generated from facilitating loan applications between borrowers and partner lenders, with the company earning a cut on successful loan transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Personal Loans from ₹10,000 to ₹35 Lakhs starting @9.99% p.a. |
| Transaction based/ take rate | Monthly | Business Loans up to ₹50 Lakhs to ₹2 Crore |
| Transaction based/ take rate | Monthly | Gold Loans up to ₹2 Crore |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Buddy Loan product offering
Product offeringCore offering
Buddy Loan is a digital loan marketplace operated by Bvalue Services Pvt. Ltd. that aggregates 38+ RBI-registered banks, NBFCs, and small finance banks onto a single platform. It facilitates personal, business, gold, and purpose-specific loans (marriage, travel, medical, education, vehicle, home) by matching individual borrowers and small business owners with suitable lending partners. The platform also offers free financial tools including credit score checks, EMI calculators, and loan eligibility calculators.
Product overview
Buddy Loan is a digital fintech loan marketplace operated by Bvalue Services Pvt. Ltd. that connects borrowers with RBI-registered lenders through a 100% digital platform. The core offering consists of loan products including Personal Loans (up to ₹35 Lakhs), Business Loans (up to ₹50 Lakhs-₹2 Crore), Gold Loans (up to ₹2 Crore), Credit Cards, and various specialized loan types (Marriage, Travel, Medical, Two-Wheeler, Car, Education, Home). The platform differentiates through supporting tools including a Free Credit Score service, EMI Calculator supporting 10+ loan types, Loan Eligibility Calculator, and Savings Account partnership. Buddy Loan acts as a loan aggregator, partnering with 25+ lenders rather than directly lending, facilitating the application process and connecting borrowers with lenders for approval decisions.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan Unsecured personal loan facilitated through Buddy Loan's marketplace connecting individual borrowers with RBI-registered lenders. Loan amounts up to ₹15 lakh, with quick disbursal and minimal documentation. Targeted at salaried and self-employed individuals for personal financial needs.
- Business Loan Loan product for business owners, traders, and self-employed professionals seeking working capital or expansion funding. Loan amounts up to ₹15 lakh available through partner NBFCs and banks on the marketplace.
- Gold Loan Secured loan against gold assets, facilitated through partner lenders on the Buddy Loan platform. Targeted at individuals seeking quick liquidity against gold holdings.
- Credit Cards Credit card offerings from multiple partner banks aggregated on the Buddy Loan platform for individuals seeking credit card products.
- Marriage Loan Loan product designed to finance wedding-related expenses, offered through the Buddy Loan marketplace connecting borrowers with partner lenders.
- Travel Loan
Quantifiable outcome
- 40M+ app downloads demonstrating market reach
- +4 more outcomes
Companies that use Buddy Loan
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Buddy Loan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Buddy Loan partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- Unity Small Finance BankcoreSmall finance bank partner offering loan products through the Buddy Loan platform, providing banking-backed lending solutions to borrowers.
- Bajaj FinservcoreMajor NBFC partner offering personal loans, business loans, and other financial products through the Buddy Loan marketplace.
- Kotak Mahindra BankcorePrivate sector bank partner providing loan products including personal loans and business loans through the platform.
- IndificoreNBFC partner specializing in business loans for SMEs and entrepreneurs, integrated into the Buddy Loan platform.
- Flexi LoanscoreDigital lending platform partner offering flexible business loan solutions through the Buddy Loan marketplace.
- PrefrminorLending partner offering loan products through the Buddy Loan platform for eligible borrowers.
- NeogrowthminorDigital lending partner providing business loans and other credit solutions through the platform.
- FreominorConsumer lending platform partner integrated with Buddy Loan for offering various loan products.
- Muthoot FinancecoreLeading gold loan company partner providing gold-backed loans through the Buddy Loan platform.
- IndusInd BankcorePrivate sector bank partner offering personal loans and other banking products through the platform.
- CreditSeaminorDigital lending partner providing credit solutions through the Buddy Loan marketplace.
- Tata CapitalcoreLarge NBFC partner backed by Tata Group offering personal loans, business loans, and other financial products.
- KisshtminorDigital lending platform partner offering consumer and business loans through the platform.
- ProtiumminorLending partner providing loan products through the Buddy Loan platform.
- ABC FinanceminorFinancial services partner offering loan products through the Buddy Loan marketplace.
- OlyvminorDigital lending partner integrated with Buddy Loan for offering credit solutions.
Scale indicators7 records
Recent moves5 records
Expansion highlights4 records
Buddy Loan competitors and assessment
Company assessmentEmerging players
- EarlySalary: India-based salary advance and personal loan app catering to young salaried borrowers; competes for the same instant personal-loan demand that Buddy Loan targets.
- KreditBee: Indian digital lending platform focused on small-ticket personal loans to salaried and self-employed segments; overlaps with Buddy Loan's personal-loan aggregator proposition though it also lends off its own NBFC book.
- CASHe: Indian digital lending platform offering personal loans and credit lines to millennials via a mobile-first app; comparable digital funnel and salaried borrower segment.
Broad incumbents
- PolicyBazaar: Parent of Paisabazaar and India's largest financial product comparison platform spanning insurance, loans and credit cards; overlaps on the lending aggregator use case as part of a much broader financial marketplace.
- LendingTree: US-based online loan marketplace aggregating multiple lenders across personal, business and mortgage products; reference point for the loan-aggregator business model globally though not operating in India.
Direct peers
- MoneyTap: India-based personal credit line and loan app partnering with RBI-registered lenders; competes for the same salaried and self-employed personal-loan borrowers as Buddy Loan.
- IndiaLends: Indian digital lending marketplace that aggregates personal, business and home loan offers from multiple lenders; very similar borrower funnel and lender-partnership model to Buddy Loan.
- Paisabazaar: India's leading financial product marketplace offering personal, business and home loan comparison across banks and NBFCs; directly competes with Buddy Loan's aggregator model and lender network.
- BankBazaar: Indian fintech marketplace aggregating credit cards, personal loans and other lending products from banks and NBFCs; comparable aggregator business model and target borrower segments.
Regional players
- Credmint: India-focused loan advisory and aggregator service that helps borrowers compare offers across banks and NBFCs; similar curated-multi-lender value proposition though operating at smaller scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Buddy Loan social profiles
Digital presenceBuddy Loan compliance and trust
Trust signalCompliance1 record
Buddy Loan financial estimates
Financial estimateRevenue estimate
Valuation estimate
Buddy Loan leadership team
Management profileNumber of profiles
Profiles2 records
Buddy Loan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Buddy Loan 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 Buddy Loan
What does Buddy Loan do?
Buddy Loan is a digital loan marketplace operated by Bvalue Services Pvt. Ltd. that aggregates 38+ RBI-registered banks, NBFCs, and small finance banks onto a single platform. It facilitates personal, business, gold, and purpose-specific loans (marriage, travel, medical, education, vehicle, home) by matching individual borrowers and small business owners with suitable lending partners. The platform also offers free financial tools including credit score checks, EMI calculators, and loan eligibility calculators.
Is Buddy Loan a public or private company?
Buddy Loan is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Buddy Loan founded?
Buddy Loan was founded in 2019. It employs 51 to 100 people.
Where is Buddy Loan based?
Buddy Loan is headquartered in Bangalore, India, in the Asia region.
How does Buddy Loan make money?
Two revenue lines are on record. Lead Generation/Referral Fees are the primary driver. The others are marketplace Commission.
Who are Buddy Loan's main competitors?
Emerging players on record are EarlySalary, KreditBee and CASHe. Broad incumbents are PolicyBazaar and LendingTree. Direct peers are MoneyTap, IndiaLends, Paisabazaar and BankBazaar. Credmint is listed as a regional player.
Does Buddy Loan have an API?
No public API is recorded for Buddy Loan.
What industry is Buddy Loan in?
Buddy Loan's product category is Loan Marketplace. Its primary akta.pro industry code is FSAKAHAL, P2P Loan Syndication & Participation Platforms, with a secondary code of FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday). Its NAICS code is 522310 and its SIC code is 6163.