Trade Udhaar
Trade Udhaar is a digital lending marketplace operated by Infocom Fintech Private Limited that connects Indian SME borrowers with 12+ NBFC and bank partners for collateral-free business loans up to ₹50 lakhs, earning transaction-based facilitation fees.
- Company typePrivate
- Founded2023
- HeadquartersNew Delhi, India
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Trade Udhaar does
Trade Udhaar is a digital lending marketplace operated by Infocom Fintech Private Limited, a private company incorporated in 2023 in Delhi, India (CIN U66190DL2023PTC410949). The platform connects SME borrowers seeking collateral-free unsecured business loans with a curated network of more than 12 NBFC and bank lending partners, including IIFL, Bajaj Finserv, DMI Finance, Indifi, Flexiloans, Axis Bank, TATA Capital, Fusion Micro Finance, Lending Kart, Ambit, Mintifi, and Arthmate. Loan tickets range from ₹50,000 to ₹50 lakhs with tenures of 1-3 years, and the company claims 48-hour disbursement and 90,000+ customers served with ₹120 Million+ cumulative disbursement.
The underlying technology is a standard digital lending funnel — an online application form, GST-based eligibility check, EMI calculator, and document submission workflow routing applications to partner lenders. Trade Udhaar does not lend on its own balance sheet; it acts as an outsourcing/sourcing partner or digital DSA, earning referral and facilitation fees on successful loan originations. A secondary subscription revenue stream exists for product showcase services, governed by the parent entity. GTM is digital-first with no physical branches: borrower acquisition runs through the company's own website, content marketing (English and Hindi blog), social channels (Facebook, Twitter, YouTube, LinkedIn), and brand association with TradeIndia.com. The company is registered in New Delhi and operates a corporate office in Noida, with a small core team supplemented by an outsourced loan-processing agent network described as 100+ experts.
The business model is asset-light and capital-constrained: no funding rounds have been disclosed, revenue is not publicly reported, and the company relies entirely on transaction-based facilitation economics rather than interest income. Key strategic assets are the multi-lender distribution network and the TradeIndia brand association rather than proprietary technology or AI-driven underwriting — both of which are replicable by competitors with deeper capital or technology investment.
Trade Udhaar firmographics
Firmographics- Name
- Trade Udhaar
- Legal name
- Infocom Fintech Private Limited
- Website
- https://tradeudhaar.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Trade Udhaar is a digital lending marketplace operated by Infocom Fintech Private Limited that connects Indian SME borrowers with 12+ NBFC and bank partners for collateral-free business loans up to ₹50 lakhs, earning transaction-based facilitation fees.
- Ownership category
- akta.pro rank
Where Trade Udhaar is headquartered
LocationHeadquarters
- HQ city
- New Delhi
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Trade Udhaar business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Facilitation Services: Trade Udhaar generates revenue by facilitating loans between SMEs and partner NBFCs/banks. As a sourcing and outsourcing partner for lending institutions, the company earns referral or facilitation fees for qualified loan applications sent to their lending partners.
- Subscription Plans for Product Showcase: The platform enables users to buy subscription plans to showcase their products/services via the digital platform, governed by the parent company Infocom Fintech Private Limited.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Collateral-free business loans up to ₹50 lakhs |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Trade Udhaar product offering
Product offeringCore offering
Trade Udhaar operates a digital lending marketplace that connects SME borrowers with multiple NBFC and bank lending partners. The platform facilitates collateral-free business loans ranging from ₹50,000 to ₹50 lakhs with 1-3 year tenure and 48-hour disbursement, processing applications digitally with GST verification, KYC, and minimal documentation. Beyond loan facilitation, the platform also offers subscription plans that enable users to showcase their products and services via the digital platform.
Product overview
Trade Udhaar is a fintech platform providing an end-to-end digital lending marketplace for SMEs. The core offering is the Business Loan product — an unsecured, collateral-free loan of up to ₹50 lakhs with 48-hour processing. The platform acts as an intermediary connecting borrowers with a network of NBFC and bank lending partners including IIFL, Bajaj Finserv, DMI Finance, Indifi, Flexiloans, Fusion Microfinance, Lending Kart, Axis Bank, Ambit, and others. The platform offers an online application process with EMI calculator and digital document submission.
Differentiator
Problem solved
Functional benefit
Products and services
- Collateral-Free Business Loan Unsecured, collateral-free business loan ranging from ₹50,000 to ₹50 lakhs with 1-3 year tenure, processed through Trade Udhaar's digital lending marketplace connecting borrowers with partner NBFCs and banks. Designed for SMEs, professionals, manufacturers, service providers, and traders needing working capital, business expansion, or cash-flow funding, with 48-hour disbursement and minimal documentation including GST returns, KYC, bank statements, and 2-year financials.
- Product Showcase Subscription Plans Recurring subscription plans that enable users to showcase their products and services via the Trade Udhaar digital platform, governed by Infocom Fintech Private Limited.
Quantifiable outcome
- Loan disbursement within 48 hours of application
- +3 more outcomes
Companies that use Trade Udhaar
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles3 records
Trade Udhaar technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Trade Udhaar partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights4 records
Trade Udhaar competitors and assessment
Company assessmentDirect peers
- NeoGrowth Credit: NeoGrowth is an Indian SME digital lender offering unsecured business loans to small merchants and traders using cash-flow based underwriting – comparable customer segment and product type to Trade Udhaar.
- Flexiloans: Flexiloans is an Indian SME-focused digital lending platform that aggregates multiple lender partners to provide collateral-free business loans to small businesses – a direct comparable on product, distribution and customer.
- DMI Finance: DMI Finance is both a lender partner and a peer – an Indian NBFC extending digital SME and consumer loans, operating in the same unsecured business-loan product category as Trade Udhaar.
- LoanTap Financial Technologies: LoanTap is an Indian fintech offering flexible personal and business loan products to salaried and SME segments through digital processes – overlapping use-cases and customer base.
- Lendingkart: Lendingkart provides working-capital and business loans to Indian SMEs through multi-lender partnerships, competing in the same unsecured SME digital lending space as Trade Udhaar.
- Indifi Technologies: Indifi is one of India's leading digital lending marketplaces for SMEs, connecting borrowers with multiple NBFC/bank partners for unsecured business loans – the same operating model and target segment as Trade Udhaar.
Broad incumbents
- Bajaj Finserv: Bajaj Finserv is a large incumbent Indian financial services group with deep SME and consumer lending products – both a Trade Udhaar partner and a competitor that could bypass aggregators with direct distribution.
- TATA Capital: TATA Capital is a major Indian NBFC offering unsecured business loans and LAP, overlapping directly with the SME product range Trade Udhaar distributes – large incumbent competing for the same borrowers.
- IIFL Finance: IIFL Finance is a large established Indian NBFC offering a broad suite of business and personal loan products; it is also listed as a Trade Udhaar lender partner, making it a competitor-and-partner in the SME segment.
Emerging players
- MoneyTap: MoneyTap is an Indian digital lending app offering small-ticket credit lines and personal/business loans, with similar digital-first funnel and lender-aggregation orientation as Trade Udhaar.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Trade Udhaar social profiles
Digital presenceTrade Udhaar financial estimates
Financial estimateRevenue estimate
Valuation estimate
Trade Udhaar leadership team
Management profileNumber of profiles
Profiles1 record
Trade Udhaar funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Trade Udhaar 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 Trade Udhaar
What does Trade Udhaar do?
Trade Udhaar operates a digital lending marketplace that connects SME borrowers with multiple NBFC and bank lending partners. The platform facilitates collateral-free business loans ranging from ₹50,000 to ₹50 lakhs with 1-3 year tenure and 48-hour disbursement, processing applications digitally with GST verification, KYC, and minimal documentation. Beyond loan facilitation, the platform also offers subscription plans that enable users to showcase their products and services via the digital platform.
Is Trade Udhaar a public or private company?
Trade Udhaar is a private company. It is classified as unknown and is currently operating.
When was Trade Udhaar founded?
Trade Udhaar was founded in 2023. It employs 11 to 50 people.
Where is Trade Udhaar based?
Trade Udhaar is headquartered in New Delhi, India, in the Asia region.
How does Trade Udhaar make money?
Two revenue lines are on record. Loan Facilitation Services are the primary driver. The others are subscription Plans for Product Showcase.
Who are Trade Udhaar's main competitors?
Direct peers on record are NeoGrowth Credit, Flexiloans, DMI Finance, LoanTap Financial Technologies, Lendingkart and Indifi Technologies. Broad incumbents are Bajaj Finserv, TATA Capital and IIFL Finance. MoneyTap is listed as an emerging player.
Does Trade Udhaar have an API?
No public API is recorded for Trade Udhaar.