FinBox

FinBox is a full-stack digital lending infrastructure platform that powers credit origination, decisioning, and risk management for banks, NBFCs, and enterprises. The company provides API-driven solutions enabling businesses to launch embedded finance products and extend credit to underserved segments including MSMEs through advanced risk intelligence and seamless ecosystem integrations.

Core Products & Services

Digital Lending OS (LOS) – End-to-end loan origination system with multi-channel sourcing, automated underwriting, journey orchestration, and partner management modules for rapid credit deployment

Risk Intelligence Suite – Comprehensive analytics powered by Account Aggregator data, bank statement analysis (BankConnect), device intelligence, multi-bureau scoring, and alternate data underwriting for precise credit decisions

Sentinel AI Decisioning – Centralized platform processing 50M+ monthly credit decisions with real-time risk assessment, business rules engine, and fraud detection capabilities

Partnership Lending Stack 2.0 – Co-lending middleware enabling banks/NBFCs to collaborate on 70L+ retail loans with centralized dashboards for risk tracking and lifecycle management

Collections & Recovery (CollectX) – AI-driven borrower prioritization, early warning signals, and automated recovery workflows integrated across lending partners

Business Model & Revenue Streams

Embedded Finance SaaS & Credit Infrastructure Model – API-first platform offered as plug-and-play modules to 130+ financial institutions with 2000+ ecosystem integrations; enables rapid deployment of tailored credit products without building proprietary tech stacks

SaaS Licensing & Subscription Revenue – Annual/monthly fees for LOS, risk intelligence, and decisioning modules tiered by loan book size and transaction volume

Transaction & Volume-Based Processing Fees – Per-loan origination, underwriting, and decisioning charges scaling with disbursal volumes (thousands of crores monthly)

Implementation & Integration Revenue – One-time onboarding fees for custom API deployments, partner ecosystem connections, and system integrator support

Premium Analytics & Risk Modules – Higher-margin revenue from advanced AI decisioning (Sentinel), alternate data underwriting, and collections optimization tools

Co-Lending Partnership Revenue – Platform fees from bank-NBFC collaborations facilitated through Partnership Lending Stack managing shared loan portfolios