The intelligence layer for micro-business lending
Four AI agents run origination, underwriting, portfolio and field operations — inside a lender’s own balance sheet, on their capital, with their people. One operating system, whatever the product: micro-enterprise credit, two-wheeler loans, underwriting alone, or the portfolio alone.
The line every lender stops at
Micro-enterprise credit in India grew 37.6% in 21 months while the number of borrowers fell 6.3%. Lenders are not reaching more businesses — they are writing bigger cheques to fewer of them, because below ₹8 lakh the cost to source, underwrite and collect by hand eats the spread.
The next ₹18 lakh crore sits under that line: in tickets nobody can serve profitably with branches and relationship managers. FriendLoan was built for exactly that ticket — and to run inside the balance sheets that already hold 81% of the market.
Sources: RBI Annual Report 2025-26, Table IV.3 · CRIF High Mark · TransUnion CIBIL–SIDBI MSME Pulse, June 2026
Four agents, one lifecycle
Each agent replaces a cost centre that kept this segment unbankable. Together they form a digital twin of a lending operation that reaches the same scale with a quarter of the workforce — and a human signs off on every credit decision.
Odin walks the street in imagery — reading every name board, sizing every shop, scoring lend probability — so a pre-qualified offer exists before anyone leaves a desk. Other lenders angle for one customer at a time; Odin enumerates the whole pond.
Janus reads bureau data, account-aggregator bank statements, the shop itself through a camera, and the borrower through an AI voice call — assembling a credit memo that reaches a human officer in under nine minutes.
Algorithmic task allocation and route optimisation turn a field officer from a territory owner into a dispatched resource — so one officer looks after six hundred loans rather than one hundred and fifty.
Continuous machine learning on repayment conduct triggers early-warning signals at three days past due, not thirty — and settles collections digitally on daily instalments matched to the merchant’s cash flow.
For banks, small finance banks and NBFCs
Your capital, your field force, your final credit sign-off. Our intelligence, end to end. Three contracts, one engine — proven on our own regulated book before a single partner rupee rides on it.
Our agents run origination, underwriting, monitoring and collections on your balance sheet. You keep the asset, the customer and the credit decision; we run the work that used to need branches.
Full sourcing, underwriting and collections on the partner’s book under the RBI co-lending and business-correspondent framework — with every rupee of credit exposure living on a regulated balance sheet.
Odin-qualified, Janus-underwritten applications handed over ready to sanction. Login-to-sanction conversion of 75–80% against a 35–40% industry norm.
Every rail inside the RBI perimeter
FriendLoan Technologies is the AI company. Sampathi Credits, its wholly-owned subsidiary, is the RBI-registered NBFC where every product and agent is proven on our own book first. Nothing depends on regulatory arbitrage.
The full regulatory architectureFor business owners
No paperwork, no collateral, 100% digital. Apply from your phone in 10 minutes, get an instant decision, and repay in small daily instalments that match how your shop actually earns.
“They processed ₹5,00,000 in a single day. Whenever I call, they respond promptly.”
“Got loan approval within one hour. It was very useful for buying stock for my shop at the right time.”
“I was scared of online loans, but they came to my shop and did everything in front of me. Felt very safe.”
Backed by institutional capital
Leadership
Vijayakumar VCo-founder & CEOIIT Bombay CS. Three-time founder. Built lending-ops infrastructure that powered 15+ NBFC platforms before FriendLoan; 18+ years in NBFC technology.
Ex-CEO, VoiceGear Networks
Pradeep E TCo-founder & CTOBuilt the entire stack in-house — LOS, LMS, iLCS and the four-agent AI layer — with a sub-25-person team. 10+ years shipping fintech products from scratch.
Ex-Apple · Ex-Capital One · Ex-Infosys
Kannan RChief Operating Officer37+ years in banking across operations, credit, risk, legal and distribution. Managed ₹1.3 lakh crore of AUM across 1,000+ branches. The compliance office reports to him.
Ex-IndusInd Bank · National Insurance · Government of India
Rajesh PChief Risk OfficerA career across retail credit and collections. Designed FriendLoan’s NPA framework; owns centralised credit and collections across 26,900+ loans.
Ex-ICICI Bank · Ex-GE CapitalInvestors
Micro-business underwriting is the unclaimed, CIBIL-sized white space in Indian credit infrastructure. Read the thesis, the group structure and the governance behind it — and request the Information Memorandum.