CASHe
CASHe: Business Model Canvas
The nine-block Business Model Canvas, filled in only where a public source states it — empty blocks mean we haven't found a citable fact yet, not that the answer is zero.
Value Propositions
Loans disbursed within minutes via a mobile-first, paperless process, using alternative data to assess creditworthiness beyond traditional credit history.
sourceProprietary AI-powered, ML-backed algorithm assesses borrower risk using social and mobile data footprints to identify creditworthy customers based on potential rather than only credit history.
sourceCustomer Segments
Working professionals aged 25 to 35 years across India seeking quick, collateral-free credit.
sourceSalaried professionals with a minimum monthly income requirement who may lack extensive traditional credit history.
sourceCustomer Relationships
Channels
Primary distribution channel for loan application, disbursal and servicing.
sourceKey Activities
Key Resources
Key Partnerships
AFTPL (Aeries Financial Technologies Private Limited), the technology parent company, held a 99.99% stake in Bhanix Finance and Investment Limited (BFIL) as of March 31, 2023, and has continuously provided capital infusions. BFIL is the RBI-registered NBFC through which CASHe's lending operations are run.
sourceRevenue Streams
APR above 30.42% charged on short-term personal loans ranging from ₹1,000 to ₹3,00,000.
sourceCost Structure
FAQs on CASHe
What is CASHe's business model?
CASHe's core value proposition centers on Instant, 100% digital personal loans, AI/ML-based Social Loan Quotient underwriting.
How does CASHe make money?
CASHe's cited revenue streams include Interest income on personal loans, Processing fees.