For banks, SFBs and NBFCs

Run FriendLoan inside your balance sheet.

The sub-₹8 lakh micro-business ticket becomes profitable when the sourcing, underwriting and collections stack is software rather than branches. Rent the stack; keep the asset, the customer and the credit decision.

Talk to partnerships How the rails work

Partner enquiry

Or email partnerships@friendloan.in

Three contracts, one engine

Pick the rail that fits your book

Rail 3 · FlagshipZero capex · zero balance sheet

Managed Asset Services

Our agents run origination, underwriting, monitoring and collections on your balance sheet, with your field force. Credit policy and sanction stay with your board — Janus recommends, your officer decides.

StructureTechnology services to the regulated entity

RiskCapped, disclosed first-loss within RBI DLG norms

Rail 2

Business Correspondent

Full-lifecycle sourcing, underwriting and collections on the partner’s book, or as co-lending with Sampathi Credits under the Co-lending Directions.

StructureBC agreement or co-lending

RiskOn regulated capital, never side letters

Rail 1

Origination-as-a-Service

FriendLoan sources and processes; you sanction and disburse. Key Facts Statement and APR to every borrower; our fees invoiced to you, zero borrower charges, no default loss guarantee on this rail.

StructureLSP under the Digital Lending Directions

RiskNone transferred — you underwrite the file we hand over

Commercial terms for each rail are shared under NDA in a first meeting.

Why a lender rents the layer

Six cost problems, dissolved by architecture

Every structural pain point of micro-lending is a cost-structure problem. Branches and relationship managers cap scale and eat the spread; a software stack does not.

Branch-and-RM model

Rigid monthly EMIs fight a daily-cash borrower
₹5–10 lakh per branch, 60–120% annual RM attrition
Manual, bureau-only underwriting in 2–5 days
Stress invisible until 30 days past due
Break-even only past ₹250 Cr of AUM

FriendLoan inside your book

Daily micro-instalments matched to cash flow
New PIN codes opened remotely in days, no branch capex
4,000-parameter decision in under nine minutes, human-signed
Early warning at three days past due from daily transaction monitoring
New PIN codes profitable from day one — no branch to amortise

Regulatory architecture

Every rail inside the RBI perimeter

FriendLoan Technologies is the technology company and lending service provider; Sampathi Credits is the wholly-owned, RBI-registered NBFC where all recourse economics live, with capital held against them.

The compliance office reports to the Chief Operating Officer — a 37-year banking veteran — independent of growth targets. External counsel’s opinion on the full structure is available to partners under NDA.

Digital Lending Directions — as LSP on Rail 1: Key Facts Statement and APR to every borrower, fees from the regulated entity, no default loss guarantee.
Co-lending Directions — recourse on Sampathi’s regulated capital, never on side letters.
Your credit policy binds. Janus recommends; your board-approved policy and a human sign-off decide every case.
DPDP 2023 · Account Aggregator · full audit trail on every automated decision, with arm’s-length transfer pricing between the two entities.
No synthetic risk transfer anywhere. Every rupee of credit exposure lives on a regulated balance sheet.