ENABLING P2P LENDING ECOSYSTEM

WHAT IS P2P LENDING?

People Banks7-8% Interest

WHAT IS P2P LENDING?

People Banks People7-8% Interest 12-15% Interest

WHAT IS P2P LENDING?

People Banks People

P2P Lending

7-8% Interest 12-15% Interest

12-25% Interest

More Agile, Cover Wider Audience

P2P LENDING PLATFORM

Borrower Section Investor Section Admin Section

Apply for loan

Upload the required documents

Track application status

See Investment options & Borrow’s profile,

documents and credit analysis

Track cashflows

Approve Investors & Borrowers

Credit Analysis of Borrowers

Monitor all transactions

PRODUCTS

CREDIT ANALYSIS BOT

PRODUCTS

CREDIT ANALYSIS BOT

Get your own

Peer to Peer

Lending Platform

PRODUCTS

CREDIT ANALYSIS BOT

Reads and Analyzes Bank

Statements

Reduces Underwriting time

for Lenders

PRODUCTS

CREDIT ANALYSIS BOT

We provide these Softwares as a Service

BANK STATEMENTS READER

CREDIT ANALYSIS

Reduced cost and faster turn-around time => Delighted customer and higher throughput

Powering Underwriting, Analysis and Verifications with Technology

Source of

Income

Liabilities

(EMIs etc)

Bounced

Cheques

Penalties/

Late Payments

• Identifies relevant recurring income/expense transactions

• Identifies capacity to repay

• Calculates relevant ratios

P2P LENDING IN INDIA

In India, the Biggest player claims to have disbursed loans of Rs 50 Crores over last 1.5 years

In Europe, all P2P Lending Platforms together are disbursing over $400 million every month

P2P LENDING IN INDIA

In India, the Biggest player claims to have disbursed loans of Rs 50 Crores over last 1.5 years

In Europe, all P2P Lending Platforms together are disbursing over $400 million every month

CHALLENGES IN INDIA

1. No Digital Signature – Hence longer disbursement time

2. No Regulations – Hence problem of handling payments

3. No Strong Credit Agencies – Hence a PDC is taken from borrowers

TEAM

THANK YOU

www.fintechlabs.in

Vipul Rawal

9654100167

vipul@fintechlabs.in