81 Finance Monthly FinTech Awards 2022. Ind i a Firm Profile Lendingkart Finance Limited is a non-deposit taking NBFC providing working capital loans and business loans to SMEs across India. We give you access to capital in a completely online, quick process with minimum documents and no collateral needed. We hope to become your partner in laying a strong foundation for your businesses and helping it grow to its full potential. LENDINGKART Technologies Private Limited is a fin-tech startup in the working capital space. The Company has developed technology tools based on big data analysis which facilitates lenders to evaluate borrower’s credit worthiness and provides other related services. LENDINGKART Finance Limited (formerly Aadri Infin Limited), is a non-deposit taking NBFC, providing SME lending in India. The Company aims to transform small business lending by making it convenient for SMEs to access credit easily. The Company uses technology and analytics tools, analyzing thousands of data points from various data sources to assess the creditworthiness of small businesses rapidly and accurately. LENDINGKART Finance Limited, unlike banks and other NBFCs,do not focus on vendor’s old records (Past Financial Statements & Income Tax returns) to evaluate the credit risk profile of a potential client. The NBFC focuses on the client’s current year’s cash flows and business growth. The objective is to make capital funds available at finger tips so that entrepreneurs can focus on business instead of worrying about gaps in their cash-flows. We are currently based in Ahmedabad, Bangalore and Mumbai but we serve across India. Our Products Business Loans Lendingkart offers customized business loans for small and medium businesses in India. Our loans are free from the bureaucratic red tape that often accompanies bank loans and have a very About Harshvardhan Lunia Harshvardhandrives theprimaryaspect of business – designing innovative credit solutions and delivering them in themost simple and efficient manner to SMB’s. He started his career with large private sector and multinational banks in their small loan divisions. Early in his career he was intrigued by passion of small business owners who inspite of being credit worthy were not served by existing lenders. Credit decisions in banks take months. His vision is to implement Big data credit scoring with analytics and artificial intelligence. He is a Chartered Accountant and pursued his Post Graduation from ISB (Indian School of Business, Hyderabad). In his free time, he loves walking and exploring the world with his wife. straightforward application, approval and disbursal process. We have designed a fast and efficient digital interface that minimizes human interaction and thus helps in speeding up the whole ‘taking a business loan’ process. Benefits of Business Loan by Lendingkart Business loans from Lendingkart are enable you to redraw your business strategies for matching today’s agile work environments. Working Capital Loan Lendingkart offers a customized working capital loan for small and medium enterprises to meet their working capital requirements. A working capital loan helps you in running everyday operations. These loans usually cover recurring expenses such as accounts payable, wages, etc. Our working capital loans help offset your working expenses during a low sales / revenue period. We have combined the best features of several types of such loans to create an offering which is suited for Indian SMEs and start-ups.