Build, License & Scale Your NBFC or Financial Business in India
End-to-end solutions for NBFC setup, lending, recovery & BPO services — with complete compliance and expert guidance at every step.
Built for Every Stage of the Lending Business
Whether you're just starting out or already running a licensed NBFC, our services adapt to where you actually are.
Entrepreneurs
FinTech Companies
NBFCs
Investors
Foreign Companies
Lenders
MSMEs
Financial Institutions
100+
Businesses Served
50+
Licenses Delivered
10+
Years of Experience
98%
Approval Success Rate
24x7
Expert Support
Complete Financial Business Solutions Under One Roof
From NBFC registration to RBI licensing and compliance, we help you build a strong, fully compliant financial business.
NBFC Plug & Play — Start Lending Without Building an NBFC From Scratch
Our most differentiated offering: launch an NBFC-backed lending business through a partner tie-up, takeover, or co-lending arrangement — without the capital lock-up or multi-month wait of registering a new NBFC.
Our Proven Process
Simple. Transparent. Effective.
Consultation
We understand your business goals.
Documentation
We prepare & verify all required documents.
RBI Filing
Application submitted to RBI.
Approval
RBI approval & license obtained.
Post Licensing Support
Compliance, reporting & ongoing support.
30+
Financial Institutions Partnered
10+
Years of Expertise
18+
States Served
Let's Get You Licensed.
Free consultation, no pressure — just a clear next step.
Quick Response
Within 15 Minutes
Confidential
100% Secure
Expert Guidance
From Industry Leaders
Trusted by Leading Businesses
Every part of a lending business, working as one system
Instead of hiring separate vendors for licensing, technology, compliance, and recovery, plug into a single ecosystem where every function connects to the next.
From first idea to a fully scaled lending business
Most partners join us at a single stage. Every one of them stays because the next stage is already mapped out.
Idea
Validating the lending business model and market opportunity.
Company Registration
Incorporating the right legal entity and shareholding structure.
NBFC Setup
Securing the RBI Certificate of Registration.
Technology
Standing up the loan management and servicing stack.
Funding
Raising equity or debt to fuel disbursals.
Operations
Running sourcing, underwriting, and servicing at scale.
Recovery
Managing collections and distressed-asset resolution.
Expansion
Scaling into new products, geographies, and partnerships.
Built for every corner of India's lending market
From gold loans to digital-first consumer credit, our teams understand the operational and regulatory nuance of each segment.
Consumer Lending
Personal loans, consumer durable finance, and digital credit lines built for scale and speed.
MSME Finance
Working capital, term loans, and invoice finance tailored to India's small business economy.
Gold Loans
High-velocity secured lending operations with valuation, vaulting, and recovery built in.
Housing Finance
Home loans and loan-against-property programs with long-tenure servicing and compliance.
Vehicle Finance
New and used vehicle finance with repossession and asset-recovery operations.
Education Finance
Education loan programs with income-based recovery and moratorium management.
Microfinance
Joint-liability group lending with field-first collections and regulatory alignment.
Digital Lending
App-first, paperless lending journeys backed by API-driven underwriting and servicing.
FinTech
Lending-as-a-service infrastructure for fintechs building credit products on top of NBFC partners.
Banks
Co-lending, BC operations, and outsourced recovery support for scheduled banks.
NBFCs
Full-stack licensing, technology, compliance, and recovery support for NBFCs at every stage.
Investors
Due diligence, portfolio assessment, and distressed-asset valuation for lending-sector investors.
Not a consultant. An operating partner.
Most consultants stop at documentation. We stay through implementation, operations, and every stage after.
Traditional Consultant
- Handles registration only, then disappears
- Manual, paper-heavy processes
- Separate vendors for tech, compliance, and recovery
- No lending technology or platform support
- Generic advice with no operational accountability
Bharat Cred Solutions
- End-to-end partner, from licensing through scale
- Technology-driven processes and dashboards
- One accountable team across every function
- Loan management systems and API integrations built in
- Operational accountability — we run alongside you
The lending stack, already built
Loan management, CRM, collections, and analytics — integrated with the APIs modern lending depends on, so you launch on infrastructure instead of building it from scratch.
1,284
Active Loans
₹12.4 Cr
Disbursed MTD
94.6%
Recovery Rate
Real transformations, not testimonials
A look inside how partners moved from idea to license, from stressed to recovered, from manual to digital.
Why Businesses Trust Bharat Cred
- RBI & Regulatory Experts
- End-to-End Solutions
- High Success Rate
- Transparent Process
- Experienced Professionals
- Pan India Presence
Case Study Spotlight
NBFC Setup
From Idea to RBI-Registered NBFC in Record Time
A fintech founder team went from concept to a fully licensed NBFC with a ready compliance calendar.
View All Case StudiesLatest RBI Updates
Master Direction on NBFC Scale Based Regulation
Consolidated Master Direction
Fair Practices Code for NBFCs
Master Direction
KYC Master Direction
Master Direction
Free Resources
Download essential checklists and guides for your business.
- NBFC Licensing Roadmap
- Collections Playbook
- Digital Lending Tech Stack Guide
- RBI Compliance Calendar Template
Everything we know, made available
Regulatory updates, practical guides, and reference material for anyone building a lending business in India.
What Our Clients Achieve
Outcomes from the case studies above, in their own context — read the full story behind each one.
Search the site, right from the chat
This assistant answers only from what's published on this site — solutions, industries, FAQs, and guides. For anything more specific, our team follows up directly. Look for the chat bubble in the corner of every page too.
Ready to build your financial business?
Tell us where you are — idea, license, or scale — and we'll map the fastest path forward on a strategy call.