RBI-Aligned LSP  ·  Digital Lending  ·  Bangalore

Scale Your NBFC's Unsecured Lending — Smarter, Safer,Faster

Lend Bridge is a fully compliant Lending Service Provider built for India's mid and small NBFCs. We handle sourcing, underwriting support, servicing, and collections — all within RBI Digital Lending Directions 2026.

Key Performance Targets
<₹500
Customer Acquisition Cost per originated loan
<15 min
End-to-end borrower journey via instant eKYC
100%
RBI 2026 Digital Lending compliance by design
24–48 hr
Credit policy changes deployed to our engine
🏦
NBFC is Lender of RecordLend Bridge never lends
💸
Direct Fund FlowNBFC ↔ Borrower only
🛡️
Borrower Never ChargedAll fees paid by NBFC
☁️
100% India-HostedAWS Mumbai / Azure India
RBI DL 2026 ReadyCompliance built in
The Problem

Traditional Sourcing is Costly, Slow & Risky

Here is how Lend Bridge transforms every pain point your NBFC faces today.

❌ Current Pain Points
✓ Lend Bridge Solution
High CAC ₹1,000–3,000
Compressed margins and limited scalability.
Target CAC under ₹500 via optimised digital acquisition engine
Variable Lead Quality
High rejection rates and wasted underwriting resources.
Pre-screened leads — your exclusion rules applied before you see the application
Manual KYC & Drop-Offs
Lengthy verification causing abandonment.
Automated workflows delivering under 15-minute end-to-end journeys
RBI 2026 Compliance Burden
Complex fund flow, fee and data privacy requirements.
Compliance-by-design — built to RBI Digital Lending Directions 2026
Our Services

Everything Your NBFC Needs to Scale

Your credit policy, your rules — our engine. We connect to your LOS/LMS via API. Policy changes deployed in 24–48 hours.

🎯

Digital Customer Acquisition

A 3-stage funnel delivering only qualified, pre-screened borrowers to your underwriting team.

  • Meta & Google digital marketing
  • Stage 1: Age, income & location pre-screen
  • Stage 2: Fraud screen & bureau check
  • Stage 3: Qualified lead sent to NBFC only
🔬

Underwriting Support Engine

Fully configurable to your credit policy. NBFC retains full control of the final credit decision.

  • CIBIL, Experian & CRIF bureau integrations
  • Bank statement & account aggregator
  • Configurable DTI, bureau & income cutoffs
  • Risk score generation + full audit trail
🛡️

Multi-Layer Fraud Prevention

Four stacked detection layers producing predictive early delinquency models.

  • Device fingerprinting & fraud ring detection
  • FaceID liveness & PAN/Aadhaar validation
  • Bot detection & behavioural analytics
  • Credit stacking & bust-out prevention
📋

Compliant Loan Onboarding

KFS with gated acceptance, eSign execution, and full audit trail per RBI 2026 requirements.

  • Key Fact Statement with APR displayed
  • Gated scroll-and-confirm acceptance
  • 3-day cooling-off period built in
  • eSign loan agreement execution
🔄

Servicing & Repayment

Automated eNACH and UPI Autopay with proactive reminders and daily portfolio reporting.

  • Automated eNACH & UPI Autopay
  • SMS/Push pre-due date reminders
  • Real-time DPD bucket tracking
  • Daily MIS on all portfolio metrics
📞

Fair Practices Collections

SOP-driven, Fair Practices Code-compliant collections per your escalation policy.

  • 1–30 DPD: Soft courtesy reminders
  • 30+ DPD: Escalation per NBFC policy
  • Calls 8 AM–7 PM only, no contacts access
  • Daily collection efficiency reporting
How It Works

Clear Role Separation at Every Step

Every responsibility is clearly mapped between Lend Bridge (technology & operations) and the NBFC (credit decisions & fund ownership).

Lend Bridge (LSP) — Technology & Operations
1

Digital Acquisition & eKYC

Digital marketing, lead capture, pre-screening, and eKYC facilitation. Sub-15 min borrower journey.

3

KFS Presentation & eSign

Key Fact Statement with gated acceptance. Borrower digitally signs. Lend Bridge facilitates — NBFC owns the contract.

5

Servicing & Early Collections

Automated reminders, eNACH management, early DPD engagement, and daily MIS reporting.

NBFC (Regulated Entity) — Credit & Fund Ownership
2

Identity Validation & Credit Decision

NBFC independently validates identity and makes the FINAL credit decision. Lend Bridge provides a recommendation only.

4

Direct Disbursement to Borrower

Funds disbursed directly from NBFC's account to borrower's bank. Lend Bridge is never in the fund flow.

6

Repayment & Loan Closure

All repayments received directly by NBFC. 30+ DPD collections per NBFC-defined policy.

💡

Core Principle: Lend Bridge does NOT lend. Lend Bridge does NOT hold customer funds. Lend Bridge does NOT pool money. All disbursals and repayments flow directly between the NBFC and the borrower — 100% compliant with RBI Fund Flow norms.

Compliance

RBI Digital Lending Directions 2026 — Ready

Every feature built to satisfy RBI's Digital Lending Guidelines — zero compliance risk from the LSP layer for your NBFC.

RBI RequirementLend Bridge Implementation
Fund Flow Integrity
Direct NBFC ↔ Borrower. No pass-through or pool accounts.
Fee Structure
LSP charges NBFC only. Borrower never charged by Lend Bridge.
Transparency (KFS)
Key Fact Statement with APR; gated acceptance mandatory.
Cooling-Off Period
Minimum 3 days; exit with pro-rated interest only.
Data Privacy
Need-based collection; no access to contact lists.
Data Localization
100% India-hosted on AWS Mumbai & Azure India.
Grievance Redressal
GRO appointed; RBI Ombudsman escalation path in-app.

The Regulatory Firewall

Clear boundaries that protect your NBFC's regulatory standing and borrowers' trust.

  • Lend Bridge will never lend money or appear as lender of record
  • Lend Bridge will never hold borrower funds in escrow or wallets
  • Lend Bridge will never pool money or handle disbursements
  • Lend Bridge will never charge fees directly to the borrower
  • Lend Bridge will never access borrower contact lists or call logs
What We Do Instead
  • Provide technology infrastructure and a compliant digital platform
  • Handle customer acquisition, eKYC, and underwriting support
  • Manage servicing workflows and Fair Practices-compliant collections
  • Generate full audit trails and daily MIS for regulatory records
Technology

Enterprise-Grade Infrastructure

Cloud-native, API-first architecture that integrates with your existing LOS/LMS on day one.

☁️

Cloud Infrastructure

AWS Mumbai & Azure India regions for 100% data localization compliance.

AWS IndiaAzure India
🔐

Enterprise Security

TLS 1.3 in transit, AES-256 at rest. Role-Based Access Control and regular VAPT testing.

TLS 1.3AES-256VAPT
🔗

Bureau Integrations

Pre-integrated with CIBIL, Experian, CRIF, NSDL, and UIDAI for seamless data pulls.

CIBILExperianCRIFUIDAI
⚙️

Configurable Policy Engine

Your income thresholds, bureau score limits, and DTI ratios. Changes live in 24–48 hours.

Real-Time Config
📊

Reporting & Audit Trail

Daily MIS on disbursals, DPD movement, and collection efficiency. Full audit log on every decision.

Daily MISAudit Log
🔌

LOS/LMS Integration

Seamless API hookup to your Loan Origination and Loan Management Systems. Zero disruption.

REST APIWebhooks
99.5%
Uptime SLA Guaranteed
<30s
Processing Time per Request
<4 hrs
Incident Response SLA
Pricing

Aligned With Your Portfolio Performance

Choose the commercial structure that fits your NBFC. All models include risk-alignment mechanisms.

💰

Origination Fee

A one-time percentage of the disbursed loan amount. Simple, transparent, and aligned with your loan volume growth.

🔀

Hybrid Model

Base origination fee plus a success fee tied to portfolio performance — volume and quality incentives combined.

Risk Alignment Mechanisms

Quality Holdback — fees released only when loans perform
DLG (Optional) — first loss coverage up to 5% via cash collateral or FD
Implementation

90 Days to Your First Disbursement

A structured four-phase onboarding that minimises disruption and gets you to scale quickly.

1
Day 0 – 30

Setup

MSA signing, compliance documentation, DLA reporting, and CIMS platform registration.

2
Day 30 – 60

Integration

API integration with your LOS/LMS, credit policy configuration, and full UAT testing.

3
Day 60 – 90

Pilot

Controlled cohort of ~1,000 loans. First disbursement on Day 75. Performance validation.

4
Day 90+

Scale

Geographic expansion, policy tuning, and volume ramp based on pilot learnings.

Get Started

Ready to Scale Your Unsecured Book?

Tell us your credit policy and target market. We will build the pipeline, handle the compliance, and get you to first disbursement in 75 days.

Call Us Today → Explore Services
👤
Wangdue
📞
+91 93269 58863
📧
wangdue@lendbridge.in
📍
Bangalore, Karnataka, India