Fintech-NBFC Partnership Model
The NBFC Partnership model allows Fintech companies and digital platforms to collaborate with licensed NBFCs to offer lending products. This is the fastest route for digital players to offer credit without owning an NBFC license themselves.
Under this arrangement, the Fintech creates the customer interface and originates loans, while the NBFC provides the regulatory umbrella and capital (in some models).
Partnership Models
Lending Service Provider (LSP)
Fintech acts as an agent to source borrowers for the NBFC partners.
Co-Lending
Joint contribution of credit by both Banks/NBFCs and the Fintech entity.
First Loss Default Guarantee (FLDG)
Arrangements where the Fintech guarantees a portion of the default risk (subject to RBI guidelines).
Technology Partner
Providing loan management systems and underwriting algorithms to NBFCs.
Key Benefits
- No Regulatory Burden: Operate without the heavy compliance load of owning a license.
- Speed to Market: Launch credit products in weeks instead of months.
- Scalability: Partner with multiple NBFCs to diversify funding sources.
- Focus on Tech: Concentrate on UX and distribution while partners handle compliance.
Frequently Asked Questions
Find answers to common questions about NBFC Partnership.
What documents are required for NBFC Partnership?
Required documents typically include identity proof, address proof, business plan, financial statements, and specific regulatory forms. Our team will provide a complete checklist during consultation.
How long does the registration process take?
The timeline varies based on complexity and regulatory requirements. Typically, the process takes 30-90 days. We offer fast-track options for urgent requirements.
What is the cost for this service?
Pricing depends on the specific requirements and scope. Contact us for a customized quote. We offer competitive pricing with transparent fee structures.
Do you provide post-registration support?
Yes! We provide comprehensive post-registration compliance support including annual filings, regulatory updates, and ongoing advisory services.
Related Services
Discover other compliance solutions we offer.
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SEBI Registration
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