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Lendingkart

666

Digital lending platform for small businesses.

FinTech
SME Lending
Acquired

Founded

2014

Team Size

350

Total Funding

₹415 Cr

Valuation

₹4,150 Cr

About

Digital lending platform for small businesses.

Unique Selling Proposition

Core Differentiator

AI-driven credit assessment enabling fast unsecured loans to underserved SMEs without traditional collateral requirements

Target Market

Small and medium enterprises in Tier 2/3 cities lacking access to formal credit

Key Innovation

Proprietary alternative credit scoring using GST, banking, and behavioral data to underwrite previously 'unbankable' SMEs

Competitive Moats
🧠Data/AI Moat
Strong

10+ years of SME lending data creates superior credit models and risk assessment capabilities that improve with scale

🌐Network Effects
Medium

Growing merchant network and repeat borrowers create referral loops and reduce customer acquisition costs

⚖️Regulatory
Medium

NBFC license and regulatory compliance create barriers, though not insurmountable for well-funded competitors

🔒Switching Costs
Medium

SMEs with established credit history and streamlined access face friction switching to new lenders

Funding Snapshot
Free preview

₹125 Cr

Total Raised

2

Rounds

Series E

Latest · Feb 28 2026

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Full Funding History

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Funding History

Latest Round

2019-01-01

₹125 Cr

Investors

Various Investors

Series E

Feb 28 2026

N/A

Details

Location

Ahmedabad, Gujarat

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Financial Metrics

Growth Rate

22%

Funding Rounds

2

VedAI Score
666/1000
Developing