In the post-covid economy, co-lending has emerged as one of the most attractive financing models. It not only makes credit available to the unserved but also minimizes the risks that lending institutions face. As a result, numerous public and private sector banks in India have entered into co-lending agreements with NBFCs. We’ll go through the […]
The Rise of Co-Lending and How it Can Ease Credit Availability
Businesses need substantial working capital to maintain their cash flow, ensure smooth functioning, and boost profitability. With time, many small lenders have made a tremendous impact by availing credit to businesses in sectors such as small and medium enterprises (SMEs), agriculture and education. This has also led to difficulty in getting capital for non-banks to […]
Co-Lending: What is it? How it Works? How Will NBFCs Benefit From It?
By definition, co-lending is when a fintech firm comes together with a traditional lender, to disburse loans. The association allows fintech firms to source clients, perform credit appraisals and disburse a small part of the loan amount. On the other hand, the co-lending arrangement enables a bank to give out the more substantial chunk of […]
What Breaks When Your LOS and LMS Don’t Talk to Each Other
Finezza’s view is that a loan origination system (LOS) and a loan management system (LMS) that do not share one data model fail in five predictable places, and each failure costs credit operations teams hours every month. This guide catalogues those failure modes and the structural fix, for NBFC leaders choosing lending software India teams […]
How Urban Co-operative Banks Digitise Their Lending Process
Urban co-operative banks are digitising lending in stages: digital onboarding and KYC first, automated credit assessment and straight-through approvals next, system-based compliance reporting last. Finezza works with lenders across exactly this sequence, and the shift is now economically realistic for UCBs of any size because shared infrastructure has replaced the need for individual capital outlay. […]
How Embedded Finance Moves Underwriting Inside the Anchor’s Platform
Lenders evaluating an embedded finance deal tend to make the same assumption. Letting a marketplace or software platform originate the loan, they think, means handing over underwriting too. That assumption is only partly correct. At Finezza, this is the gap we see trip up most embedded lending partnerships: what actually shifts, and what a lender […]