Loanbazaar

What Loanbazaar does

Loanbazaar, operated by Secure Distribution Venture Private Limited, is an Indian AI-powered loan distribution platform founded in 2024 and headquartered in Mumbai. It functions as a loan aggregator (not a lender or NBFC), matching startups and small and medium enterprises seeking non-dilutive debt capital with a panel of 100+ institutional lending partners including SMFG, Bank of India, Drip Capital, and Invoicemart. The company operates entirely within the underwriting and disbursement frameworks of its RBI-regulated lender partners.

The platform is structured around two product lines: Loanbazaar Swift, a micro-ticket offering of up to ₹10 crore with a 48-hour disbursement SLA, and Loanbazaar Scale, a higher-ticket product covering ₹5-250 crore facilities for growth-stage and enterprise SMEs. Underpinning the platform is a proprietary AI underwriting engine that evaluates borrowers across 250+ data points and is supported by an in-house large language model for credit evaluation and loan-product structuring, with Google's Gemini API used for adjacent tasks. Origination is delivered through a network of 9,000+ Direct Selling Agents (DSAs) spanning 87+ locations, and the platform holds ISO 27001 and SOC 2 certifications.

Loanbazaar's revenue model is asset-light fee-based: the company earns commissions and professional fees on successful loan originations routed through its marketplace rather than net interest income. By Q4 2024, the company reported facilitating over ₹500 crore in loans to 300+ borrowers and closed a $50 million Series A financing round to fund continued platform and distribution expansion.

Name

Loanbazaar

Legal name

Secure Distribution Venture Private Limited

Website

https://loanbazaaronline.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Loanbazaar is an AI-powered loan aggregation platform that connects Indian startups and SMEs seeking non-dilutive debt capital with 100+ institutional lenders, distributing originations through 9,000+ DSAs across 87+ locations.

Ownership category

akta.pro rank

Product category

Debt Financing and Loan Distribution Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Debt financing platform
• Loan distribution services
• AI underwriting engine
• Venture debt facilitation
• Structured finance solutions

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Distribution / DSA Fees: Loanbazaar acts as a loan distributor and Direct Selling Agent (DSA), earning professional fees and mandates from matching borrowers with lending partners. Revenue derived from transaction fees on completed loan disbursements through 100+ institutional lending partners.
2. Professional Fee Mandate: CA, consulting firms, and ex-bankers engage through professional fee mandate model. Fees charged for advisory services and loan processing support.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Loanbazaar is an AI-powered loan distribution platform that connects Indian startups and SMEs with non-dilutive debt capital from 100+ institutional lenders. The company operates two product lines: Loanbazaar Swift (micro-facilities up to ₹10 Crores disbursed within 48 hours for early to mid-stage startups) and Loanbazaar Scale (institutional-grade facilities from ₹5 Crores to ₹250 Crores for mature startups and SMEs). Loanbazaar does not lend capital itself; it acts as a Direct Selling Agent (DSA) and earns distribution/professional fees by matching AI-underwritten borrowers with lender partners.

Product overview

Loanbazaar is a unified AI-powered debt financing platform offering two distinct product lines: Loanbazaar Swift (micro-facilities up to ₹10 Cr for early-stage startups) and Loanbazaar Scale (macro-facilities from ₹5 Cr to ₹250 Cr for mature startups and SMEs). The core platform is powered by a proprietary AI Underwriting Engine that processes 250+ data points to generate Credit Appraisal Memos in 6.2 seconds. Swift products include Recurring Revenue Financing and Working Capital Financing, while Scale products include Venture Debt, Secured Term Loans, Invoice Financing, Structured Debt, and Lease Financing. The platform connects borrowers with 100+ institutional lenders through an intelligent matching system, supplemented by AI-Powered Proposal Builder and 24/7 Virtual Sales Manager modules for channel partners.

Differentiator

Problem solved

Functional benefit

Brands

• Loanbazaar Swift: Micro-facilities up to ₹10 Cr with 48-hour disbursal, designed for early to mid-stage startups requiring non-dilutive capital.
• Loanbazaar Scale
• Loanbazaar AI Core

Products and services

• Loanbazaar Swift Loanbazaar Swift is a micro-facility product line providing non-dilutive capital up to ₹10 Crores within 48 hours for early to mid-stage startups with ₹5-10 Cr annual revenue. Offers Recurring Revenue Financing and Working Capital Financing with zero equity dilution and no personal guarantees. Includes revolving credit, term loans, and supply chain financing options.
• Loanbazaar Scale Loanbazaar Scale is an institutional-grade macro-facility product line ranging from ₹5 Cr to ₹250 Cr for Series A+ funded startups and mature profitable SMEs. Offers Venture Debt, Secured Term Loans, Invoice Financing, Structured Debt, and Lease Financing with long-tenure and bespoke structuring solutions.
• Recurring Revenue Financing Enables instant monetization of monthly or annual subscriptions by turning MRR into upfront capital for SaaS and subscription D2C businesses. Syncs directly with Stripe and Chargebee platforms. Repayments scale with revenue cycles.
• Working Capital Financing Bridge financing for daily operations between payables and receivables. Provides inventory purchasing power, payroll and OPEX coverage with seamless API integration to accounting software.
• Venture Debt Non-dilutive growth capital ranging from ₹2 Cr to ₹100 Cr with 24-48 month tenure, tailored for VC-backed startups to extend cash runway between equity rounds.
• Secured Term Loans Long-tenure loans ranging from ₹5 Cr to ₹250 Cr, backed by robust assets or ironclad revenue contracts. Ideal for CAPEX financing requirements.
• Invoice Financing Unlocks cash tied up in unpaid enterprise invoices up to ₹50 Cr within 48 hours. Short-duration financing with 30-90 day tenure.
• Structured Debt Bespoke debt instruments engineered to fit unique, complex business models. Custom tenure and terms designed by financial experts.
• Lease Financing Asset-light scaling facilities ranging from ₹1 Cr to ₹50 Cr specifically for financing equipment and physical infrastructure.

Quantifiable outcome

• ₹500+ Crores deployed to 300+ Indian startups
• +5 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability8 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• StripecoreTechnology or IntegrationPayment processing platform integrated via read-only APIs. Enables sync of billing and subscription data for SaaS/subscription borrowers seeking Recurring Revenue Financing.
• RazorpaycoreTechnology or IntegrationIndian payment gateway integrated via read-only APIs. Provides banking and transaction data for underwriting assessment of Indian businesses.
• GST (Goods and Services Tax Network)coreTechnology or IntegrationGovernment tax data platform integrated for real-time GST data retrieval. Core data source for AI underwriting engine analyzing business revenue and compliance.
• 9,000+ DSA/Channel PartnerscoreChannel Partner/ Reseller/ DistributorExtensive network of Direct Selling Agents and channel partners (including CAs, consulting firms, ex-bankers) distributed across 87+ locations in India. Partners originate and distribute loan products using Loanbazaar's AI-powered platform tools.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• FlexiLoans: Indian digital lending platform offering business loans, professional loans, and machinery loans to SMEs and startups. Comparable in target segment (Indian SMEs/startups) and product mix (unsecured business loans, invoice financing, working capital), though operates as NBFC lender rather than broker.
• Lendingkart: Indian digital lending platform providing working capital and term loans to SMEs. Comparable in target customer (Indian SMEs seeking growth capital) and product set (unsecured business loans, invoice financing), though operates as direct NBFC lender rather than broker.
• PaisaBazaar: India's largest online loan marketplace connecting consumers with banks and NBFCs for personal loans, home loans, and credit cards. Most direct competitor to Loanbazaar in Indian loan brokerage, explicitly named by Loanbazaar as red ocean competition.
• Axio (formerly Capital Float): Indian consumer and SME lending platform providing personal loans and Buy Now Pay Later products. Comparable in serving Indian borrowers with digital-first credit products and use of alternative data for underwriting.
• Andromeda Loans: Indian loan distribution and DSA-led financial services company focused on personal loans, home loans, and business loans. Direct comparable in DSA distribution model and lender-borrower intermediation, explicitly named by Loanbazaar as red ocean competition.
• BankBazaar: Indian financial product comparison platform for loans, credit cards, and insurance. Directly comparable to Loanbazaar in serving Indian borrowers seeking lender matching, and named by Loanbazaar as incumbent competition.
• KredX: Indian invoice financing and working capital platform providing receivables discounting and supply chain financing to businesses. Comparable in product mix (invoice financing, working capital, supply chain finance) and target customers (Indian SMEs with B2B revenue).
• LoanTap Financial Technologies: Indian digital lending platform offering personal loans, business loans, and home loans through technology-enabled underwriting. Comparable in target segment (Indian professionals and SMEs) and AI-driven credit assessment approach.
• Indifi Technologies: Indian digital lending platform providing unsecured business loans to SMEs across sectors. Comparable in target segment (Indian SMEs seeking growth capital) and use cases (working capital, expansion financing, equipment loans).

Emerging players

• Drip Capital: Cross-border trade finance and invoice financing provider for Indian exporters and SMEs. Comparable in invoice financing and cross-border working capital products to Indian SMEs; Loanbazaar lists Drip Capital as a lending partner, indicating product and segment overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/loanbazaarswc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Loanbazaar