Introduction to LendingKart

LendingKart is a leading financial technology company dedicated to providing accessible and innovative credit solutions for small and medium-sized businesses (SMEs) in India. LendingKart is committed to facilitating financial empowerment, growth, and prosperity for businesses by leveraging technology and data analytics. Here you can explore their journey, vision, mission, and comprehensive range of products and services designed to fuel the aspirations of entrepreneurs across India.


LendingKart was founded in 2014 by Harshvardhan Luni and  ex-ISRO scientist Mukul Sachan with a vision to bridge the credit gap faced by SMEs in India. It emerged as a response to the challenges that businesses encountered when seeking financing. Their mission was to simplify access to credit for small businesses and entrepreneurs who often faced difficulties obtaining credit from the traditional banking system. Over the years, LendingKart has become a trusted name in the SME lending sector, helping businesses thrive and grow. 

Since their inception, the company has disbursed more than 1 Lakh + loans nearly 90000 MSMEs in 1300+ cities across 29 states and union territories of India.

Now, the FIntech company will possibly close the fiscal year with ₹8000 Crore AUM and will look to t ouch 13000 Crore in the next year. In their journey so far, they have acquired upwards, a  digital lending platform for 100 crores.

Key milestones

  • Inception (2014): Lendingkart was founded with a vision to revolutionize access to credit for small and medium-sized businesses in India.
  • First Funding Round (2015): Lendingkart secured its initial round of funding, allowing for significant expansion and development of its lending platform.
  • Digital Lending Leadership (2016): Lendingkart established itself as a leader in digital lending, leveraging technology to streamline the loan application process for businesses.
  • Expanding Product Range (2017): The company diversified its product offerings, introducing a range of financial products and services beyond traditional term loans.
  • Geographical Expansion (2018): Lendingkart expanded its reach, serving businesses across various regions in India, and becoming a go-to financial partner for entrepreneurs.
  • Reaching Milestone Loan Disbursals (2019): Lendingkart achieved a significant milestone in loan disbursals, demonstrating its impact on the growth of small businesses.
  • Recognition and Awards (2020): Lendingkart gained recognition in the industry, receiving awards for its contributions to the fintech and lending sectors.
  • Tech-Driven Innovation (2021): Lendingkart continued to invest in cutting-edge technology, enhancing its platform’s efficiency and user experience.
  • Customer-Centric Approach (2022): Lendingkart maintained a strong focus on customer satisfaction, tailoring its services to meet the unique needs of businesses in different industries.

Vision and Mission

Vision: To be the preferred financial partner for SMEs, empowering them with hassle-free and timely access to credit.

Mission: To leverage technology and data analytics to provide quick, transparent, and customized financial solutions that drive the growth and success of small and medium-sized businesses in India. They intend to make working capital finance available for the entrepreneurs at the fingertip.

Products and Services

LendingKart offers a comprehensive suite of financial products and services specifically designed to meet the diverse and evolving needs of SMEs:

  • Working Capital Loans

LendingKart’s working capital loans are tailored to provide businesses with the financial flexibility they need to manage day-to-day operations, seize growth opportunities, and address short-term funding requirements.

  • Unsecured Business Loans

LendingKart offers business loans that cater to the unique capital needs ofM SMEs. These loans are designed to provide businesses with access to funds for expansion, innovation, and working capital.

  • Unsecured Loans

We understand the hesitation MSMEs often have in pledging collateral. LendingKart’sunsecured loans offer access to credit without the need for collateral, enabling businesses to secure funding quickly and efficiently.

  • MSME Credit Card

In their list of upcoming products, their MSME Credit card remains the most anticipated one. It promises a host of benefits with special focus on innovative features. It is touted to be equipped with state-of-the-art security to ensure every transaction is safeguarded.

  • Gold Loan

LendingKart’s Gold Loan allows you to pledge your jewellery in exchange for loan at a groundbreaking interest rate of  0.89%* interest rate from their Certified Gold Loan Partners.

  • Personal Loan

LendingKart’s digital lending platform Upwards offers a simple, online application process that eliminates the need for extensive paperwork, making it easier for individuals in need of a personal loan. They offer instant credit lines upto Rs. 5 Lakhs with EMIs starting at Rs. 2500

  • Data-Driven Decisioning

At LendingKart, they have leverage advanced data analytics to assess the creditworthiness of businesses quickly and accurately, enabling them to make informed lending decisions. The company utilizes special technology and analytics tool to analyze thousands of data points from various sources to analyze the creditworthiness of small businesses and serve them accordingly.

Awards and Recognition

  • Best Fintech Company under Lending category organized by KPMG in India along with Business Today in 2020
  • 2020 “Dream Company to work for” by World BFSI
  • 2020 “Most Influential Business Leader” by World BFSI
  • 2019 “Best Lending Tech of the Year” by ABP News BFSI Awards
  • 2017 “Startup of the Year” at Express IT awards 2017 organized by Financial Express.


LendingKart’s extensive range of products and services is a testament to LendingKart’s commitment to providing SMEs with quick, flexible, and transparent access to credit.

LendingKart’sjourney, vision, and mission are dedicated to redefining SME lending and making it inclusive, efficient, and responsive to the needs of businesses.

Customer Care:

Toll-Free: 1800-572-0202

Email: care@lendingkart.com

(Note: The content provided is a creative representation and may not include all the specific details of Lendingkart’s current status. For the most accurate and up-to-date information, please refer to the official Lendingkart website.)