Fintech Cloud Pvt. Ltd. Information

Fintech Cloud Pvt. Ltd. is a forward-thinking financial operations and technology company that partners with Non-Banking Financial Companies (NBFCs) to drive digital transformation and profitability. Our mission is to empower NBFCs by launching tech-enabled, automated lending verticals that require minimal operational overhead and deliver high return on capital. We specialize in co-creating and managing: STPL – Short-Term Personal Loans STBL – Short-Term Business Loans Loan Lifecycle Automation Co-Lending Enablement What We Offer Our plug-and-play platforms enable NBFCs to launch new lending products quickly and efficiently. We provide the full-stack infrastructure—technology, operations, analytics, and compliance—so our partners can focus on capital deployment and strategic growth. Our approach is partnership-centric. We work alongside NBFCs as long-term growth allies, offering: AI-driven underwriting Seamless borrower onboarding End-to-end loan servicing Automated collections Regulatory alignment with RBI norms Our Core Platforms STPL Platform: Tailored for small-ticket personal loans with instant eKYC, credit scoring, and automated disbursals—ideal for salaried and gig-economy customers. STBL Stack: Focused on MSMEs and self-employed borrowers, using GST data and bank analytics for fast underwriting and flexible repayment. Loan Lifecycle Automation: Our LOS–LMS–CMS suite powers digital onboarding, disbursements, collections, and borrower engagement through fully white-labeled interfaces. Co-Lending Integrations: We connect NBFCs to fintechs, aggregators, and embedded finance partners—handling digital agreements, cash flow splits, and MIS dashboards. Technology and Compliance Our platforms are cloud-native, API-first, and encrypted with 256-bit security. AI/ML models support fraud detection, credit decisioning, and risk analytics. All systems are compliant with RBI digital lending frameworks, including KYC, AML, and data protection standards.