FinBox, a leading credit infrastructure and risk intelligence platform has announced the launch of its Partnership Lending Stack 2.0 (PL Stack 2.0) at the Bharat Fintech Summit, 2025.
This comprehensive vendor journey solution for lenders will enable banks, NBFCs, and financial institutions to streamline partnership-driven lending and launch embedded lending products in weeks.
Through a full suite vendor journey solution for partner discovery, onboarding, and management, lenders can accelerate time to market, cut costs, and scale efficiently. Already live with several major NBFCs, the PL Stack 2.0 is powering the launch of credit products on platforms like payment apps, UPI apps, marketplaces, and e-commerce platforms. Some lenders have already reached monthly disbursals of ₹250 crore using this solution.
“It is time we start viewing credit with a last mile approach. When a small business owner needs working capital, they're more likely to consider it while managing their digital business account than during a bank visit. When a consumer needs a personal loan, they're more likely to accept it during their shopping experience than through a cold call from their bank.” said Rajat Deshpande, CEO of FinBox.
FinBox is targeting a milestone of providing more than 70 lakh loans to retail borrowers in the next couple of quarters through this stack. The company counts large lenders, including private banks, small finance banks, NBFCs, FinTech, and UPI apps among its key customers.
Most consumer platforms have vast user bases but lack lending capabilities, while banks and NBFCs have capital but limited reach. Partnership lending bridges this gap by embedding credit solutions into the digital platforms where Indians already live, work, and transact. The launch of the Partnership Lending Stack is a key milestone in FinBox’s mission to build a connected and collaborative lending ecosystem.