📣 Loanbazaar Helped 100+ businesses raise capital.

Frictionless Capital.
Built for Scale.

Advisory-led. AI-powered. Non-dilutive. Access lightning-fast debt facilities tailored to your specific growth stage and revenue metrics without giving up equity.

No Personal Guarantees
Zero Equity Dilution
Capital in 48 Hours
Flexible Repayments
Loanbazaar AI Core

Estimate Your Funding

No commitments, no hidden fees. See your potential instantly.

₹0 ₹1000+ Cr
Selected Revenue Tier ₹5 Cr - ₹10 Cr
Estimated Facility Limit
Up to ₹2.5 Cr

Based on our standard non-dilutive framework.

How Loanbazaar Works

Our streamlined process gets you funded faster than any traditional lender. From connection to capital in 48 hours.

1

Sync Your Data

Securely connect your banking, accounting, and billing platforms (Stripe, Razorpay, GST) via our read-only APIs.

2

AI Underwriting

Our proprietary LLM analyzes 250+ data points in seconds, generating a fully sourced Credit Appraisal Memo instantly.

3

Receive Capital

Review matched term sheets from our 100+ lending partners. Sign digitally and receive cash in bank within 48 hours.

Our Trusted Partners

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Overview

Disrupting Structured Finance.

At Loan Bazaar, we are disrupting the supply chain industry and structured finance by empowering channel partners to service clients faster. We use technology to process loan applications for sanction and disbursement.

Disrupting Traditional Models

Transforming the supply chain and structured finance industries by introducing a tech-driven approach that challenges outdated methods.

Technology-Led Processing

Significantly reduces turnaround time in loan application processing, sanctioning, and disbursing.

Empowering Channel Partners

Enables DSA/agents to serve clients more efficiently, giving them tools to manage the entire loan journey.

Faster Client Servicing

Clients benefit from quicker access to credit through streamlined and automated systems.

Executive Summary Illustration
The Problem Illustration
The Friction

The Problem We Are Solving.

Product Fit Gap

Mismatch in product offering by lenders and the supply chain & structured finance requirements of potential clients.

High Costs

High origination costs due to traditional methods that are manpower dependent and require physical documents.

Delayed Customer Response

Delayed and inadequate customer response to processing due to a lack of visibility of the client.

Poor Usability

Channel partners want solutions that are easy to use for structured finance but lack access to them.

The Breakthrough

Our Solution.

Close the Gap

Offer the right product to the right customers in the first instance, and upsell products to address gaps in fund requirements.

Cost Savings

Reduce the cost of application origination, leading to a highly competitive channel.

Progress Transparency

Clear communication on the progress of the loan application for strong customer engagement.

Easy to Use

A simple, dedicated application specifically for the DSA channel to originate and distribute finance.

Our Solution Illustration
API Layer
AI Core
Data Hub
The Platform

The Magic Stack.

Transforming outdated lending systems through AI-powered API connectivity, enabling real-time loan decisions within 5–15 minutes. We reduce up to 80% of sales, operational, and credit costs for banks by centralizing data for real-time disbursement.

Empowering Channel Partners

A complete aggregation ecosystem. Enter a CIN, PAN, or GST number to instantly access verified company data.

Unified Dashboard

Manage all client proposals, track statuses, and organize documents efficiently in one single place.

AI-Powered Proposal Builder

Auto-generate comprehensive reports, financial ratios, and tailored pitches with zero manual effort.

Massive Impact

A DSA managing ₹10–20 lakh cases can now confidently advise companies worth ₹50,000 Crore with our 24/7 Virtual Sales Manager model.

Core Engine

How the AI Works.

Loan Bazaar’s AI engine automatically fetches and analyzes GST, Banking, ROC, and financial data within minutes to generate powerful underwriting insights.

Smart Reports & Matching

Generates Credit Eligibility Reports and automated NBFC/Bank mapping instantly.

AI-Based Financial Ratios

Computes DSCR, Current Ratio, Quick Ratio, Debt-Equity, and Interest Coverage dynamically.

Business SWOT & Cash-Flow

Delivers deep cash-flow insights alongside monthly banking averages and working-capital gap analysis.

Invoice Ageing & Compliance

Tracks invoice ageing (0–30, 31–60, 61–90, >90 days) and performs CIBIL + CMR Score reviews with Export Revenue Mapping.

Strategy & Positioning

Business Model & Blue Ocean.

Pioneering an uncontested market space through technological supremacy and deep ecosystem integration.

Business Model

Relies on a massive addressable base of captive DSAs, deep market expertise in structured products, and a proprietary API-based technology platform.

Our Competition

Traditional players currently occupying the red ocean space:

  • Paisa Bazaar
  • Bank Bazaar
  • Andromeda
  • RKPL
  • Square Capital (Urban Money)

The Blue Ocean Advantage

  • No Referrals Needed Direct access logic over traditional referral networks.
  • Proprietary Qualification Engine Automated intelligence replacing manual underwriting.
  • Real-Time API Services Instant data fetch and processing via secure connections.
  • Exclusive Online Platform A dedicated ecosystem tailored for the Channel.

Debt Solutions Built for Your Stage

Explore our core facilities designed to provide frictionless capital at every stage of growth, from early revenue to massive scale.

For Early to Mid-Stage

Loanbazaar Swift

Capital at the speed of thought. Unlock micro-facilities up to ₹10 Cr in just 48 hours. Zero dilution.

Explore Swift Products
For Mature Startups & SMEs

Loanbazaar Scale

Larger debt, structured for massive scale. Term loans, venture debt, and structured instruments up to ₹250 Cr.

Explore Scale Products

Is Debt Right for Your Business?

Take our 30-second AI-powered compatibility assessment based on key underwriting metrics.

Step 1 of 4

Do you have predictable, recurring revenue?

Micro-Facilities

Capital at the Speed of Thought.

Unlock up to ₹10 Crores based on your recurring revenue in just 48 hours. Zero dilution, no personal guarantees.

48-Hour Disbursal

Term sheet in 24h, cash in bank in 48h. The fastest capital stack in India.

100% Ownership

Keep your equity. Grow your business without giving up control to investors.

Recurring Revenue Dashboard

Recurring Revenue Financing

Instantly monetize your monthly or annual subscriptions. Turn your MRR into upfront capital to fuel marketing, hiring, or expansion.

  • Ideal for SaaS & Subscription D2C
  • Syncs directly with Stripe/Chargebee
  • Repayments scale with revenue

Working Capital Financing

Fuel your daily operations without friction. Bridge the gap between payables and receivables effortlessly.

  • Inventory purchasing power
  • Payroll and OPEX coverage
  • Seamless API integration with accounting software
Working Capital Chart
Macro-Facilities

Larger debt, structured
for Massive Scale.

Institutional-grade facilities from ₹5 Cr to ₹250 Cr. Engineered specifically for Series A+ funded startups and mature, profitable SMEs.

Venture Debt

₹2 Cr – ₹100 Cr | 24–48 Months

Extend your cash runway between equity rounds. Non-dilutive growth capital explicitly tailored for VC-backed startups.

Secured Term Loans

₹5 Cr – ₹250 Cr

Long-tenure loans backed by robust assets or ironclad revenue contracts. Ideal for CAPEX.

Invoice Financing

Up to ₹50 Cr | 30-90 Days

Unlock cash tied up in unpaid enterprise invoices within 48 hours.

Structured Debt

Custom Tenure & Terms

Bespoke debt instruments engineered by our experts to fit unique, complex business models.

Lease Financing

₹1 Cr – ₹50 Cr

Asset-light scaling. Facilities specifically for financing equipment and physical infrastructure.

OUR NARRATIVE

Democratizing
Debt Capital.

We are building the financial infrastructure for every Indian startup and SME. We believe founders should never have to choose between scaling rapidly and maintaining ownership.

Leadership

Meet Our Team

Sarfraz Nawaz

Sarfraz Nawaz

Founder & Promoter

Sarfraz Nawaz is the Founder & Director of organizations pioneering India's leading AI and BI-powered structured finance ecosystem. With deep expertise in MSME, trade, and alternative funding, he is transforming traditional lending into a smarter, tech-driven infrastructure. Under his leadership, Loanbazaar has expanded to 87+ locations, supported by a network of 9,000+ partners and a diverse range of institutional lenders. Sarfraz advocates for the democratization of capital, ensuring intelligent financial solutions are accessible to every entrepreneur. His mission is to modernize the MSME landscape by integrating financial structuring, AI-based credit analysis, and real-time lender mapping to build a transparent, scalable, and connected future.

Anand Nyayate

Anand Nyayate

Co-Founder

Anand Nyayate is a seasoned finance professional with extensive leadership experience in banking and NBFCs, specializing in the retail lending segment. His core expertise spans sales, credit assessment, risk management, and structured financing. Anand excels in delivering tailored solutions, including working capital, unsecured business loans, and strategic bridge or last-mile funding for real estate developers. Leveraging a deep-rooted lender network, he enables efficient deal structuring and rapid capital access. He partners closely with entrepreneurs and corporate leaders to design practical, cash-flow-based financing frameworks, consistently driving sustainable growth and empowering businesses across diverse sectors through his professional, solution-oriented approach.

CA Tejas Mehta

CA Tejas Mehta

Co-Founder

CA Tejas Mehta is a seasoned finance leader with extensive expertise in capital markets, corporate finance, and strategic planning. With a proven track record across multinational operations and listed entities, he previously served as CFO of Wardwizard Group and held key roles at BSE Ltd., MatchPointGPS (USA), and MCX. His background spans debt syndication, revenue assurance, and complex financial governance. At Loan Bazaar, Tejas leverages his deep experience in structured finance to deliver customized debt and working capital solutions. He is dedicated to empowering enterprises with growth-oriented financial strategies, ensuring sustainable scaling and operational excellence across diverse business sectors.

Anis Khan

Anis Khan

Co-Founder

Anis Khan is the Co-Founder and Director of Secure Distribution Ventures Private Limited, boasting over 20 years of expertise across insurance, banking, and real estate. Previously, he was a Partner at Brikstone Realty and led retail distribution for HDFC Realty in Mumbai. His banking tenure at HDFC Bank and ICICI Prudential provided him with deep insights into retail assets, branch banking, and channel strategy. Armed with a Master's in Marketing from Pune University, Anis is dedicated to democratizing financial capital. He leverages cutting-edge technology to provide transparent, founder-friendly digital solutions, empowering individuals and institutions to achieve financial freedom through innovation.

Our Trajectory

Inception & AI Core

Engineered our proprietary 250+ point risk assessment LLM.

Q1 2024
Q4 2024

₹500 Cr Milestone

Successfully deployed over ₹500 Crores to 300+ rapidly scaling Indian startups.

Series A & Scale Launch

Secured $50M backing to launch institutional-grade macro-facilities.

Present
Proprietary Infrastructure

The Loanbazaar AI Underwriting Engine.

Traditional underwriting takes weeks. Our proprietary, isolated LLM executes 250+ automated risk checks across six dimensions of risk to generate a fully sourced Credit Appraisal Memo (CAM) in seconds.

Computational Supremacy.

  • 6.2 Second Assessment

    Models historical and projected cash flows utilizing 8 quarters of data instantly. No human bias, no delays.

  • Enterprise Security & Compliance

    Operates on a private LLM utilizing AES-256 encryption, strictly aligned with RBI Digital Lending Guidelines.

  • Dynamic Fraud Topology

    Algorithms programmed specifically for regional Indian fraud typologies, acting as an impenetrable risk mitigation layer.

loanbazaar-ai-core v2.4

Underwriting Sandbox

Simulate our engine parsing live financial data to generate a dynamic Credit Appraisal Memo.

API Layer
AI Core
Data Hub
The Platform

The Magic Stack.

Transforming outdated lending systems through AI-powered API connectivity, enabling real-time loan decisions within 5–15 minutes. We reduce up to 80% of sales, operational, and credit costs for banks by centralizing data for real-time disbursement.

Empowering Channel Partners

A complete aggregation ecosystem. Enter a CIN, PAN, or GST number to instantly access verified company data.

Unified Dashboard

Manage all client proposals, track statuses, and organize documents efficiently in one single place.

AI-Powered Proposal Builder

Auto-generate comprehensive reports, financial ratios, and tailored pitches with zero manual effort.

Massive Impact

A DSA managing ₹10–20 lakh cases can now confidently advise companies worth ₹50,000 Crore with our 24/7 Virtual Sales Manager model.

Core Engine

How the AI Works.

Loan Bazaar’s AI engine automatically fetches and analyzes GST, Banking, ROC, and financial data within minutes to generate powerful underwriting insights.

Smart Reports & Matching

Generates Credit Eligibility Reports and automated NBFC/Bank mapping instantly.

AI-Based Financial Ratios

Computes DSCR, Current Ratio, Quick Ratio, Debt-Equity, and Interest Coverage dynamically.

Business SWOT & Cash-Flow

Delivers deep cash-flow insights alongside monthly banking averages and working-capital gap analysis.

Invoice Ageing & Compliance

Tracks invoice ageing (0–30, 31–60, 61–90, >90 days) and performs CIBIL + CMR Score reviews with Export Revenue Mapping.

India's Largest Debt Marketplace

Deploy Capital with
Unprecedented Velocity.

Join 100+ institutional lenders, banks, and NBFCs deploying non-dilutive capital to India's highest-quality, rapidly scaling startups through our proprietary AI-underwritten deal flow.

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The Institutional Advantage

Why top-tier funds and banks integrate with the Loanbazaar engine.

Pre-Qualified Deal Flow

Access exclusive, highly qualified leads. Our engine filters out 80% of noise, delivering only startups that strictly match your specific underwriting mandate.

Instant CAM Generation

Eliminate weeks of manual due diligence. Review standardized, API-verified 15-page Credit Appraisal Memos generated instantly by our AI.

Superior Risk-Adjusted Returns

Deploy capital into high-yield, short-duration non-dilutive instruments with historically lower default rates compared to traditional SME lending.

The Pinnacle of Financial Innovation

Transforming Debt Capital for
Indian Startups and SMEs.

India’s largest AI and BI-powered structured finance ecosystem. We are democratizing capital through intelligent financial structuring, reducing loan processing from weeks to mere minutes.

At Loan Bazaar, we are disrupting the traditional Supply Chain and Structured Finance industries. Every Bank, NBFC, and Fintech claims to support MSMEs, yet many still operate on outdated models, taking 10 to 30 working days to analyze a single proposal.

We are changing the narrative. By integrating cutting-edge AI and API connectivity, we empower entrepreneurs and channel partners with real-time, data-driven access to finance—without the delays.

Our Mission

To empower every entrepreneur in India with the confidence that finance is no longer complex; it is transparent, intelligent, and data-driven.

The Ultimate Vision

Centralizing the Lending Ecosystem

Fragmented
Vertical Silos

AI Portal

Efficiency Gains

Up to 80%

Reduction in Costs

By centralizing isolated product and policy data into one AI-powered portal, eligibility, mapping, and sanctioning happen in real-time. This reduces sales, operational, and credit costs for lenders by up to 80%. Finance becomes transparent, intelligent, and effortless.

Bridging Capital and Borrowers
Through Technology.

Borrowers &
Channel Partners

The Loan Bazaar
Tech Platform

Sanction &
Disbursement

(Banks/NBFCs)

Disrupting the supply chain and structured finance industry by empowering channel partners to process loan applications faster.

Accelerated Turnaround Time

Cost Savings on Origination

Total Progress Transparency

The Loan Bazaar Advantage

1.

Unique Tech
Capability

A proprietary AI & BI engine that drastically cuts processing time and strips out massive manual underwriting costs.

2.

First to
Market

Leading the specific, complex niche of fully digitizing structured finance and supply chain funding.

3.

Ready Distribution
Network

An active, vast base of mobilized DSAs fully equipped and ready to distribute the product on day one.

5-Minute Intelligent Credit Analysis

Loan Bazaar isn't just an aggregator;
it is an intelligent ecosystem.

Our proprietary Loan Qualification Engine automatically verifies KYC, Banking, GST, MCA, and ITR data. Within minutes, the AI generates:

Smart Credit Eligibility Reports and Automated NBFC/Bank Matching.
Comprehensive Financial Ratios (DSCR, Current Ratio, Debt-Equity).
Business SWOT Analysis and Working-Capital Gap mapping.
Invoice Ageing analytics and CIBIL + CMR Score Reviews.

Empowering Channel Partners

We transform a standard DSA into a highly capable Financial Advisor. A partner who once managed ₹10–20 lakh cases can now confidently advise companies worth ₹50,000 Crore using our 24/7 Virtual Sales Manager and AI-Powered Proposal Builder.

Trust & Authenticity

Our Certifications.

We adhere to the highest standards of compliance, security, and intellectual property protection. Explore our official recognitions.

Company Registration

Our official recognition as a registered entity, validating our operations and commitment to compliance.

Company Registration Certificate
Click to View

Logo Trademark Registration

Official trademark registration for the Loanbazaar brand identity, protecting our intellectual property.

Logo Trademark Registration Certificate
Click to View

Get in Touch

Have questions about our capital solutions? Our team is ready to help you accelerate your growth.

Send us a message

We're here to help

Our dedicated team of financial experts is available to answer your questions and guide you through our capital solutions.

Corporate Office

Loanbazaaronline Technologies Private Limited
Mumbai, Maharashtra, India

Email Us

For general inquiries:

info@loanbazaaronline.com

For grievances:

grievance@loanbazaaronline.com

Call Us

Mon-Fri from 9am to 6pm.

+91 97681 27017