Parent · the AI company
FriendLoan Technologies
The AI company. Owns every agent, model and data asset; acts as a lending service provider and technology partner to regulated entities.
About FriendLoan
Find the unfindable. Make them fundable.
India has roughly 6.3 crore micro and small enterprises. Most of them have never borrowed from a formal lender — not because they are not creditworthy, but because no lender could afford to find them, assess them and collect from them one at a time. FriendLoan exists to make that arithmetic work.
26,900+
Loans funded
₹254 Cr+
Disbursed since inception
816
PIN codes served
118+
Field agents
~65%
Customers who come back
Our story
From a lending-ops company to a lending brain
FriendLoan began in 2017. Its founders had spent years building the software that other lenders ran on — loan origination, loan management, collections — and kept running into the same wall: the technology was never the constraint. The cost of a human being finding, assessing and chasing a ₹1.5 lakh loan was.
So the company did something unusual for a software business. It acquired a regulated balance sheet — Sampathi Credits Private Limited, an NBFC registered with the Reserve Bank of India — and started lending its own money to the smallest urban businesses in Tamil Nadu, at a ticket size the industry had written off.
That book is now the proof and the training data. 26,900+ loans funded, ₹254 Cr+ disbursed, 1.33% cumulative credit loss — and four AI agents trained on every one of those loans and their daily repayment histories. Those agents are what partner lenders now rent.
Group structure
100% subsidiary · RBI-registered NBFC
Sampathi Credits
The wholly-owned, RBI-registered NBFC. The regulated balance sheet where every product and agent is proven first, and where all recourse economics live.
Leadership
Architects of autonomous credit
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
Backed since the beginning
- HNK Raghavan — Key non-promoter investor
Lending partners
Institutional debt relationships
AU Small Finance BankInCred FinanceNorthern ArcMAS Financial Services