FlexiLoans

FlexiLoans is a leading digital lending fintech platform dedicated to empowering India’s micro, small and medium enterprises (MSMEs) with fast, collateral-free business loans. The company leverages advanced technology and proprietary risk models to streamline the lending process, offering tailored funding solutions to businesses that are often underserved by traditional banks. The company’s robust technology stack, including AI/ML-powered underwriting and data-driven credit analytics, has enabled it to maintain high asset quality and scale profitably.  In 2016 it was acquired by Epimoney Private Limited, an NBFC backed by marquee investors and banking veterans, making FlexiLoans a wholly owned subsidiary

Core Products and Services

• Business Loans: Collateral-free loans up to ₹50 lakh with flexible tenures (12–36 months), quick approval, and minimal documentation.

• Working Capital Loans: Short-term funding to manage cash flow gaps and operational expenses.

• Vendor and Dealer Financing: Customized credit lines for supply chain partners.

• Loans Against POS: Credit solutions for merchants based on point-of-sale transactions.

• Co-lending and Embedded Finance: Partnerships with banks, NBFCs, and digital platforms to expand credit access.

• Women Entrepreneur Loans: Focused products and initiatives to support women-led MSMEs, with over ₹500 crore disbursed to women entrepreneurs by 2024.

Business Model & Revenue Streams

• Interest Income: Constitutes 67.1% of overall collections, driven by lending to MSMEs.

• Processing Fees: Accounts for approximately 30% of income, charged on loan origination and servicing.

• Co-lending and Platform Fees: Revenue from technology partnerships and co-lending arrangements with banks and NBFCs.

Geographic and Customer Segmentation

• Geography: 70%+ of loans are disbursed in Tier II/III cities, with Maharashtra, Delhi, Uttar Pradesh, Gujarat and Karnataka as top states served.

• Customer Segmentation: Over 50% of the loan book comprises online sellers and digital-first MSMEs, while the remainder includes traditional retail, FMCG, pharma and manufacturing sectos.

Top Clients & Partnerships

• Flipkart, Amazon, Paytm, PhonePe: Embedded finance and merchant lending partnerships, enabling access to over 10 million SMEs.

• Vivriti Capital: Co-lending partnership to disburse ₹300 crore to MSMEs.

• Paisabazaar: Digital marketplace integration for business loan sourcing.

• Multiple Banks/NBFCs: 20+ lenders integrated for co-lending and supply chain finance.

Future Outlook & Strategic Priorities

• Product Innovation: Expansion into secured lending, insurance distribution, and new credit products like dealer/vendor financing.

• Market Expansion: Targeting ₹10,000 crore in AUM by 2025, with a balanced on-book and co-lending approach.

• Technology: Continued investment in AI/ML for underwriting, fraud detection, and customer experience.

• Regulatory: Heightened scrutiny on unsecured lending and evolving NBFC regulations.

• Macro: Economic slowdowns and credit cycles could impact MSME repayment capacity.