Lendingkart is an Indian fintech company focused on providing working capital loans and financial products to small and medium-sized enterprises (SMEs). Founded in 2014 by Harshvardhan Lunia and Mukul Sachan, the company leverages data analytics and technology-driven underwriting models to deliver fast, collateral-free loans to businesses that are often underserved by traditional banks. Its mission is to make credit easily accessible to India’s MSME sector by simplifying the lending process through digital platforms and automated risk assessment.
Headquartered in Ahmedabad, Gujarat, Lendingkart operates through its NBFC arm, Lendingkart Finance Limited, and has expanded its presence across multiple Indian cities. The company uses alternative data sources and machine learning-based credit evaluation to provide quick loan approvals and disbursals, helping small businesses manage cash flow and fuel growth. Over the years, Lendingkart has raised funding from prominent investors and has built a strong reputation in India’s digital lending ecosystem as a key player in technology-enabled SME financing.
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