Loanyfy.com
Loanyfy.com is an India-based digital lending marketplace that aggregates 65+ banks and NBFCs onto a single platform, connecting salaried borrowers, professionals, MSMEs, students, and home/vehicle buyers with personal, home, business, and education loans via AI-driven matching and a 10,000+ partner DSA distribution network.
- Company typePrivate
- Founded2014
- HeadquartersGurugram, India
- Headcount1–10
- GTM typeB2C
- OfferingDigital Commerce or Content
What Loanyfy.com does
Loanyfy.com is a digital lending marketplace headquartered in Gurugram, India, operating under the legal entity Flydigi Loanyfytech and Solution Private Limited (incorporated 2023 in Uttar Pradesh; the platform itself claims operating history since 2014). The company aggregates 65+ bank and NBFC lending partners onto a single application surface, offering personal loans, professional loans, home loans, loan-against-property, car loans, education loans, business loans, working capital loans, overdraft facilities, credit cards, debt consolidation, and government MSME schemes. End customers include salaried individuals, self-employed professionals, MSMEs, home buyers, vehicle buyers, and students/families across 500+ Indian cities.
The platform is built on an AI-driven loan matching engine that routes applicants to suitable lenders based on credit profile and eligibility, supported by an Experian credit-bureau integration for soft credit score checks with an interactive score simulator, an EMI calculator, an EMI tracker, image-based KYC document processing, a LoanyfyBot chatbot, and WhatsApp Business API support. ISO-grade data security and AES-256 encryption are cited. A mobile app is in development. The stated technology stack is functional but shows no evidence of proprietary model development, patents, or research output.
Loanyfy earns revenue primarily through affiliate referral and processing commissions from partner banks and NBFCs on each disbursed loan, supplemented by commissions flowing through its 10,000+ active DSA partner network. It employs a hybrid GTM combining direct-to-consumer digital acquisition (website, SEO, content tools) with a nationwide channel-partner program, and is led by Founder & CEO Saurabh Singh, CTO Mohammad Shoaib Khan, and a small core team of 1-10 people.
Loanyfy.com firmographics
Firmographics- Name
- Loanyfy.com
- Legal name
- Flydigi Loanyfytech and Solution Private Limited
- Website
- https://loanyfy.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Loanyfy.com is an India-based digital lending marketplace that aggregates 65+ banks and NBFCs onto a single platform, connecting salaried borrowers, professionals, MSMEs, students, and home/vehicle buyers with personal, home, business, and education loans via AI-driven matching and a 10,000+ partner DSA distribution network.
- Ownership category
- akta.pro rank
Loanyfy.com industry classification
Industry- Product category
- Digital Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching)Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking)Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)Loan Servicing Platforms (Billing, Statements, Customer Self-Service)Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)Lending & Credit Disbursements
Keywords
Where Loanyfy.com is headquartered
LocationHeadquarters
- HQ city
- Gurugram
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Loanyfy.com business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Marketing or Sales, Technology or R&D, Personnel, Operations, Others
Revenue model
- Loan Referral & Processing Commissions: Loanyfy earns referral fees and commissions from partner banks and NBFCs for each successful loan application submitted and disbursed through the platform. The platform also generates revenue through lead generation fees and potentially processing fee markups.
- DSA Partner Program Commissions: Commissions paid to the company from lenders for loan disbursals facilitated through the network of 10,000+ DSA partners, with top performers earning ₹1,00,000+ monthly.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Personal Loans - Up to ₹50 Lakh, Starting 9.99% ROI |
| Transaction based/ take rate | Pay-as-you-go | Professional Loans - Up to ₹75 Lakh, Starting 10.5% ROI |
| Transaction based/ take rate | Pay-as-you-go | Home Loans - Up to ₹10 Crore, Starting 8.40% ROI |
| Transaction based/ take rate | Pay-as-you-go | Loan Against Property - Up to ₹25 Crore+, Starting 8.50% ROI |
| Transaction based/ take rate | Pay-as-you-go | Car Loans - 100% Funding, Starting 8.75% ROI |
| Transaction based/ take rate | Pay-as-you-go | Education Loans - Up to ₹1.5 Crore+, Starting 8.25% ROI |
| Transaction based/ take rate | Pay-as-you-go | Business Loans - Up to ₹1 Crore+, Starting 10.5% ROI |
| Transaction based/ take rate | Pay-as-you-go | Working Capital Loans - Up to ₹2.5 Crore, Starting 10%+ ROI |
| Transaction based/ take rate | Pay-as-you-go | Overdraft Facility - Up to ₹5 Crore, 12%-20% ROI |
| Transaction based/ take rate | Pay-as-you-go | Debt Consolidation - Up to ₹50 Lakh, Starting 10.49% ROI |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Loanyfy.com product offering
Product offeringCore offering
Loanyfy.com is a digital loan marketplace that enables Indian consumers and small businesses to compare and apply for personal, home, business, vehicle, education, and credit card products from 65+ partner banks and NBFCs through a single application. The platform uses AI-driven matching to surface personalized lender offers, supports end-to-end digital application processing, and generates revenue via referral commissions and processing fees from partner lenders. It also operates a 10,000+ member DSA partner program that extends distribution into semi-urban India.
Product overview
Loanyfy.com operates as a digital loan marketplace and financial services platform connecting borrowers with 30+ banking and NBFC partners. The platform offers a comprehensive portfolio of loan products including Personal Loans, Professional Loans, Home Loans, Loan Against Property, Car Loans, Education Loans, Business Loans, Working Capital Loans, Overdraft Facilities, and Debt Consolidation Loans. The core offering is a multi-lender comparison platform where users can compare offers from multiple financial institutions and apply digitally. Supporting tools include a free Credit Score checker (powered by Experian), EMI Calculator, and EMI Tracker. The platform also features a DSA Partner Program for loan advisors. The company positions itself as a technology-first financial ecosystem with AI-driven loan matching capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan Collateral-free personal credit solution for managing various financial needs including emergencies, education, debt consolidation, travel, weddings, and personal expenses. Offered up to ₹50 Lakh with interest rates starting from 9.99% p.a. and tenure up to 6 years, sourced from multiple partner banks and NBFCs.
- Professional Loan Specialized collateral-free credit solution for qualified professionals including Doctors, Chartered Accountants, Architects, Company Secretaries, Advocates, Engineers, and Management Consultants. Offers preferential interest rates and higher loan amounts up to ₹75 Lakh for clinic/office setup, equipment purchase, working capital, and practice expansion.
- Home Loan Secured loan for buying, building, or renovating residential properties. Offered from ₹2 Lakh to ₹10 Crore with interest rates starting from 8.40% p.a., tenure up to 30 years, and EMI starting ₹749/lakh, sourced from 30+ partner banks and NBFCs.
- Loan Against Property (LAP) Secured loan where residential, commercial, or industrial property is pledged as collateral. Offers loan amounts up to 60-70% of property value with interest rates from 8.50% p.a. and tenure up to 15-20 years.
- Car Loan Vehicle financing for new and pre-owned cars with up to 100% funding on selected models. Offers interest rates starting from 8.75% p.a. with flexible repayment tenure from 1 to 7 years.
- Education Loan Financial credit for higher education in India or abroad covering tuition, accommodation, and study-related expenses. Offered from ₹50,000 to ₹1.5 Crore with tax benefits under Section 80E and moratorium period; interest rates 9.25%-15% p.a.
- Home Loan Balance Transfer Facility to transfer existing home loan from one bank to another for lower interest rates. Enables savings on total interest with additional top-up loan option and zero prepayment charges on floating rate loans.
- Business Loan Unsecured financial solution for MSMEs and small businesses for working capital, expansion, and operational expenses. Offered up to ₹1 Crore with flexible repayment tenure; interest rates 10.5%-25% p.a. depending on credit profile.
- Working Capital Loan Short-term business financing for day-to-day operational expenses including payroll, rent, and inventory management. Unsecured amounts up to ₹2.5 Crore with interest rates starting from 10% p.a. and tenure up to 60 months.
- Overdraft Facility Short-term credit option allowing withdrawals beyond account balance up to a pre-approved limit of up to ₹5 Crore. Interest charged only on the utilized amount rather than the full sanctioned limit; interest rates 12%-20% p.a.
- Credit Cards Credit card comparison and application platform offering cards from partner banks including Axis Bank, HDFC Bank, RBL Bank, and IndusInd Bank with features like cashback, rewards, and lounge access.
- Debt Consolidation Loan Financial strategy to pay off multiple high-interest debts by combining them into a single loan with lower interest rates. Offers potential EMI savings up to 40% with flexible tenure from 1 to 7 years.
- Credit Score Check Free credit score checking service powered by Experian Credit Bureau with soft inquiry that does not affect the user's credit rating. Provides instant credit report with interactive score simulator and approval rate estimation.
- Government Business Loan Schemes Portal Information portal for government-backed MSME loan schemes including PMMY (MUDRA), PMEGP, CGTMSE, CLCSS, and Stand-Up India with guidance on eligibility, loan quantum, and application process.
- DSA Partner Program Loan advisor partnership program enabling agents to earn commissions on successful loan disbursals by connecting customers with 100+ partner banks and NBFCs. Provides digital portal access, training, and marketing toolkit, with top performers earning ₹1,00,000+ monthly across 10,000+ active partners.
Quantifiable outcome
- Loans disbursed: ₹160 Cr+
- +4 more outcomes
Companies that use Loanyfy.com
Customer profileNamed customers8 records
Segments6 records
Ideal customer profiles5 records
Loanyfy.com technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature4 records
Loanyfy.com partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core, major and minor.
- HDFC BankcoreMulti-product lending partner offering personal loans, business loans, home loans, car loans, and credit cards through the Loanyfy platform with competitive rates and instant approval options.
- ICICI BankcoreInstant approvals and digital-first lending experience partner offering personal loans, business loans, home loans, and credit cards with quick processing timelines.
- Axis BankcoreWide range of premium credit cards and business funding products available through the platform, including specialized overdraft and LAP solutions.
- IDFC First BankcoreZero-fee banking and fast personal loan processing with competitive rates for professionals and business owners, including LAP and business loans.
- Tata CapitalcoreTata group trust partner offering transparent loan processing for business loans, personal loans, home loans, and LAP products with dedicated support.
- Bajaj FinservcoreMarket leader in instant finance and easy EMIs offering business loans, personal loans, LAP, and consumer finance products with fast processing.
- Kotak Mahindra BankcoreHassle-free documentation and dedicated loan support for personal loans, business loans, and overdraft facilities with competitive rates.
- Poonawalla FincorpmajorMinimal documentation required for quick business growth financing with flexible loan products for MSMEs and SMEs.
- Aditya Birla FinancemajorComprehensive capital solutions for diverse needs including business loans, personal loans, home loans, and LAP products.
- FlexiLoansmajorPreferred partner for MSME and startup business loans with data-driven underwriting and quick disbursement processes.
- IndifimajorData-driven lending specifically for retailers and small shops with tailored business loan products based on transaction history.
- Credit SaisonmajorModern fintech bringing global credit standards to India with innovative business and personal loan products.
- LendingkartmajorQuick working capital loans for digital-first businesses with streamlined application and fast approval processes.
- UGRO CapitalmajorSector-specific SME lending using data analytics to offer customized loan products for specific industry verticals.
- Godrej CapitalmajorTrusted partner for long-term property and business finance with home loans and LAP products backed by Godrej group trust.
- L&T FinancemajorReliable funding for housing and infrastructure projects with home loans, LAP, and business finance products.
- Muthoot FinancemajorHousehold name for rapid gold and property loans offering personal loans and home loans with established trust.
- Shriram FinancemajorEmpowering semi-urban communities with easy credit through business loans and personal loans tailored for underserved markets.
- Piramal CapitalminorSolid presence in real estate and project finance with home loans and business loans for diverse customer needs.
- Yes BankcoreFull-service banking partner for MSMEs and individuals offering business loans, personal loans, and credit cards.
- IndusInd BankcoreFlexible repayment options and premium card rewards through credit cards and personal loan products.
- KreditBeeminorSalaried professionals' choice for ultra-fast digital loans with quick approval and disbursement.
- ExperiancoreOfficial Experian API partner providing real-time credit bureau reports and credit score checks for users through secure soft inquiry process.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Loanyfy.com competitors and assessment
Company assessmentDirect peers
- CreditMantri: Chennai-based credit profile and lending platform that helps consumers improve creditworthiness and access loans from multiple lenders. Directly comparable to Loanyfy's credit-score-plus-loan-matching model, with deeper credit-improvement tooling.
- Paisabazaar: India's largest loan and credit card aggregator, partnering with 100+ banks and NBFCs across personal loans, home loans, business loans, and credit cards. Directly competes with Loanyfy on lender breadth, AI-driven matching, and DSA network scale, with significantly larger funding and brand recognition.
- BankBazaar: Long-established Indian financial product comparison platform offering loans, credit cards, and insurance from multiple lenders. Competes head-to-head with Loanyfy on multi-lender loan aggregation and credit card comparison, with deeper product breadth and longer operating history.
- Deal4loans: One of India's earliest loan comparison platforms, matching borrowers with banks and NBFCs across personal, home, and business loans. Operates the same marketplace/aggregation model as Loanyfy with a focus on mass-market borrowers.
- MyMoneyMantra: Indian loan and financial product aggregator offering personal loans, home loans, business loans, and credit cards from multiple lenders. Competes directly with Loanyfy on multi-product marketplace positioning and DSA partner network.
- IndiaLends: Gurgaon-based credit marketplace and analytics platform providing personal loans, business loans, and credit cards through lender partnerships. Comparable to Loanyfy in target segments and digital-first distribution.
- Finology: India-based fintech offering loan comparison, credit score checking, and investment education, with a strong content/SEO-led acquisition funnel. Competes with Loanyfy on the loan aggregator and free-credit-score combination.
- Wishfin: Indian loan and credit card comparison platform offering personal loans, business loans, home loans, and credit cards from multiple banks and NBFCs. Comparable aggregator model with similar product breadth and target audience as Loanyfy.
Broad incumbents
- PolicyBazaar: India's largest financial product marketplace, operating Paisabazaar as its lending arm alongside insurance and investment verticals. A broad incumbent with overlapping lending-aggregation capabilities, vastly greater funding, and brand reach.
Emerging players
- MoneyTap: Digital credit line platform offering flexible personal credit to salaried borrowers through NBFC partnerships. Adjacent to Loanyfy in target customer (salaried individuals) and lender-partnership model, though positioned as a direct lender rather than pure aggregator.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Loanyfy.com social profiles
Digital presenceLoanyfy.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
Loanyfy.com leadership team
Management profileNumber of profiles
Profiles4 records
Loanyfy.com funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Loanyfy.com 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 Loanyfy.com
What does Loanyfy.com do?
Loanyfy.com is a digital loan marketplace that enables Indian consumers and small businesses to compare and apply for personal, home, business, vehicle, education, and credit card products from 65+ partner banks and NBFCs through a single application. The platform uses AI-driven matching to surface personalized lender offers, supports end-to-end digital application processing, and generates revenue via referral commissions and processing fees from partner lenders. It also operates a 10,000+ member DSA partner program that extends distribution into semi-urban India.
Is Loanyfy.com a public or private company?
Loanyfy.com is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Loanyfy.com founded?
Loanyfy.com was founded in 2014. It employs 1 to 10 people.
Where is Loanyfy.com based?
Loanyfy.com is headquartered in Gurugram, India, in the Asia region.
How does Loanyfy.com make money?
Two revenue lines are on record. Loan Referral & Processing Commissions are the primary driver. The others are DSA Partner Program Commissions.
Who are Loanyfy.com's main competitors?
Direct peers on record are CreditMantri, Paisabazaar, BankBazaar, Deal4loans, MyMoneyMantra, IndiaLends, Finology and Wishfin. PolicyBazaar is listed as a broad incumbent. MoneyTap is listed as an emerging player.
Does Loanyfy.com have an API?
No public API is recorded for Loanyfy.com.
What industry is Loanyfy.com in?
Loanyfy.com's product category is Digital Lending Marketplace. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 522310 and its SIC code is 6163.