BizFinn

What BizFinn does

BizFinn, operated under the legal entity RKSP Software Solutions Private Limited, is a digital lending aggregator headquartered in Gurgaon, India. Founded in 2022, the company operates a marketplace model connecting Indian small and medium enterprises (SMEs) and startups with a network of partner banks and non-banking financial companies (NBFCs) for working capital financing. BizFinn does not lend directly; instead, it facilitates loan origination through a digital application portal (loans.bizfinn.com) with a paperless process targeting under-10-minute applications and 48-hour approvals.

The product portfolio includes working capital term loans (up to ₹5 crore, 3-year tenure), revolving credit lines, invoice discounting (up to 85-90% of invoice value), export financing (up to $5-8 million USD), balance transfer services, machinery loans, and CGTMSE government-backed loan facilitation. The core technology layer is Kredo Score, a proprietary machine learning-based commercial credit scoring system (0-100 scale) that processes traditional and alternative data sources to assess SME creditworthiness. The platform is sector-agnostic and targets GST-registered businesses with minimum 2-year operational history and ₹50+ lakh turnover, explicitly excluding real estate.

Revenue mechanics derive from processing fees (3% on facilitated loans), lender referral commissions, and interest rate spreads on originated loans (secured from 9.5% annually, unsecured from 16% annually). The company emphasizes "Zero Commission" to borrowers, shifting revenue capture to the lender side. BizFinn holds ISO/IEC 27001:2013 certification for information security management. The company operates with 1-10 employees, is founder-owned (co-founder Rachit Kumar identified), and has no disclosed funding rounds, revenue figures, or institutional investors in the available data.

Name

BizFinn

Legal name

RKSP Software Solutions Private Limited

Website

https://bizfinn.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

BizFinn is a digital lending aggregator connecting Indian SMEs and startups with partner banks and NBFCs for collateral-free working capital financing, using its proprietary Kredo Score ML-based credit scoring system to facilitate loans up to ₹5 crore.

Ownership category

akta.pro rank

Headquarters

HQ city

Gurugram

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Loan Facilitation / Commission: BizFinn acts as a loan aggregator/marketplace, facilitating loans between borrowers and a network of lenders (banks and NBFCs). The company emphasizes 'Zero Commission' for borrowers, meaning revenue likely comes from lender partnerships, referral fees, or processing fees charged to lenders rather than borrowers directly.
2. Processing Fees: The company charges processing fees of 3% on loans facilitated through the platform.
3. Interest Rate Spread: Revenue generated from interest rate differentials between origination rates and underlying lender rates, particularly for secured loans starting from 9.5% annually and unsecured loans from 16% annually.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

BizFinn operates a digital lending marketplace that aggregates working capital financing solutions for Indian SMEs and startups, connecting borrowers with a network of partner banks and NBFCs. Its core offerings include collateral-free term loans, revolving credit lines, invoice discounting, and export financing — facilitated through a fully paperless, sub-10-minute online application with 48-hour approval timelines and supported by its proprietary Kredo Score credit assessment engine.

Product overview

BizFinn is a digital debt platform that provides working capital financing solutions to SMEs and startups in India. The company operates a platform-plus-products architecture centered around its core digital lending platform, which offers multiple financing products including Working Capital Term Loans (up to 3 years, ₹5 crore), Revolving Credit Lines (₹5 crore max), Invoice Discounting (up to 90% of invoice value), and Export Financing (up to $8 million USD). Supporting the lending products is the proprietary Kredo Score, a machine learning-based commercial credit scoring system that assesses business creditworthiness on a 0-100 scale. Additional tools include a Business Loan EMI Calculator for financial planning, Balance Transfer services for loan refinancing, and CGTMSE government-backed loan facilitation. The platform is sector-agnostic, primarily serving businesses with annual turnover exceeding ₹5 crores, and emphasizes collateral-free, paperless processing with 48-hour funding timelines.

Differentiator

Problem solved

Functional benefit

Brands

• Kredo Score: A proprietary commercial credit score that uses traditional and alternative data sources to provide a comprehensive assessment of a business's creditworthiness, calculated using a machine learning algorithm on a scale of 0 to 100.

Products and services

• Working Capital Term Loans Collateral-free short-term business loans with tenure up to 3 years and loan amounts up to INR 5 crore, designed to help businesses manage cash flow fluctuations, inventory, and short-term financial requirements.
• Revolving Credit Line / Overdraft Flexible revolving credit facility allowing businesses to borrow and repay in multiple tranches up to INR 5 crore, with 30-90 day tenure, charging interest only on the outstanding balance.
• Invoice Discounting Financing facility that allows businesses to borrow funds against outstanding invoices, receiving up to 85-90% of invoice value within 30-120 days tenure.
• Export Financing Post-shipment financing for exporters to finance invoices after goods have been shipped, with limits up to USD 5-8 million and 30-120 day tenure.
• Kredo Score (Commercial Credit Score) Proprietary commercial credit score using machine learning algorithms trained on historical business credit data, providing creditworthiness assessments on a 0-100 scale that incorporates KYC documents, bank statements, GST reports, ITR, and financial statements.
• Balance Transfer Service Loan balance transfer service that enables businesses to transfer outstanding loans from one lender to another to secure lower interest rates and improved terms.
• CGTMSE Loans Government-backed collateral-free loans under the Credit Guarantee Fund Trust for Micro and Small Enterprises scheme, covering up to INR 5 crore with guarantee coverage ranging from 75-85%.
• Machinery Loans Business loans specifically for the purchase of machinery and equipment, available as secured or unsecured options with government-backed schemes for eligible businesses.

Quantifiable outcome

• Loan approval within 48 hours
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature1 record

Partnerships

One partnership is on record.

• Network of Partner Banks and NBFCscoreChannel Partner/ Reseller/ DistributorBizFinn has direct partnerships with a network of leading banks and non-banking financial companies (NBFCs) in India. These partnerships enable the company to offer borrowers access to a wide range of financing options, competitive interest rates, and diverse loan products including term loans, credit lines, and invoice discounting.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• BankBazaar: BankBazaar is an Indian financial-product comparison marketplace covering loans, credit cards, and insurance — a broader marketplace peer operating an adjacent aggregator business model.
• Paisabazaar: Paisabazaar (Policybazaar group) is one of India's largest loan and credit-card marketplaces, offering a far broader product set but operating on a similar multi-lender aggregation model targeting Indian consumers and SMEs.

Direct peers

• IndiaLends: IndiaLends is a credit marketplace and lending platform in India that uses data analytics to match borrowers with lenders — directly comparable to BizFinn's aggregator-plus-credit-scoring proposition.
• OnDeck: OnDeck is an SMB online lender providing working capital loans and credit lines to small businesses — a directly comparable SME working-capital platform with a similar multi-product, digital-first proposition.
• BlueVine: BlueVine is an SMB working-capital platform offering lines of credit, invoice factoring, and term loans — a comparable multi-product SME working-capital platform, albeit operating in the US market.
• Flexiloans: Flexiloans is an Indian digital lending platform that provides collateral-free working capital loans to SMEs through partnerships with multiple lenders — a closely matching aggregator/marketplace model to BizFinn.
• Lendingkart: Lendingkart offers working capital and SME loans in India via its own NBFC and partner network, serving the same SME customer base with similar product set (term loans, credit lines) as BizFinn.
• CredAvenue: CredAvenue is an Indian debt marketplace connecting borrowers with lenders and institutional investors, offering comparable marketplace infrastructure for SME and corporate credit — adjacent to BizFinn's aggregator model.

Regional players

• KreditBee: KreditBee is an India-focused digital lending platform targeting underserved borrowers; it overlaps with BizFinn on digital-first SME/consumer credit assessment though its core segment is more retail-leaning.

Emerging players

• ZestMoney: ZestMoney is an Indian digital lending/credit platform using alternative data for underwriting — comparable to BizFinn on the alternative-data underwriting and marketplace/aggregator dimensions.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/biz_finn
• Facebookfacebook.com/bizfinn
• LinkedInlinkedin.com/company/bizfinn-india

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 BizFinn