Startup Atlas · Digital Lending

FlexiLoans

Epimoney Private Limited ● Mumbai, Maharashtra ● Founded 2015 ● flexiloans.com ↗

Manish Lunia · Co-Founder Deepak Jain · Co-Founder Ritesh Jain · Co-Founder Abhishek Kothari · Co-Founder

$214.4 MnTotal funding (tracked)

7Funding rounds

11 Jun 2025Last round

600Team size (sourced)

FlexiLoans: 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

Fully digital, collateral-free lending journey

The whole borrowing journey for a small MSME is completely digital, with technologically aided guidance and loans approved within 48 hours.

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100% digital sourcing, zero branches

FlexiLoans provides accessible and tailored financial solutions to underserved MSMEs with 100% digital sourcing and zero branches.

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Customer Segments

Underserved MSMEs, especially Tier 2/3 cities66% in Tier 2, 3 and beyond

FlexiLoans empowers MSMEs that traditional institutional channels reject; 66% of its customers are in smaller towns.

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SMEs rejected by banks for lack of credit history/collateral

Over 80% of loan proposals from SMEs are rejected by institutional lending channels due to inadequate financial history or collateral.

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Customer Relationships

Repeat-borrowing digital relationship50% of customers take multiple loans

Roughly half of FlexiLoans' customers take multiple loans from the platform over time, while over half of borrowers are first-time business-loan takers.

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Channels

Embedded-finance ecosystem partnerships150+ partnerships, 10Mn+ SMEs reach

FlexiLoans is a leader in the Ecosystem embedded finance market, with access to 10 Mn+ SMEs via 150+ partners such as PaisaBazaar, PhonePe, PayTM, Amazon and Flipkart.

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Digital marketing4mn+ leads/month

Digital marketing channels bring 4mn+ leads per month for FlexiLoans.

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Amazon Lending Marketplace API integration

FlexiLoans integrated its lending platform into Amazon's Lending marketplace via API, letting sellers apply for and manage FlexiLoans financing directly from the Amazon seller dashboard.

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Key Activities

No cited public information yet.

Key Resources

In-house lending tech platform with alternative-data underwriting

FlexiLoans leverages alternative data sources for underwriting; through its own books and integrations with 20+ lenders via its in-house tech platform, it designs customised credit products.

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Key Partnerships

Amazon.in (Amazon Lending Marketplace)

FlexiLoans extended its partnership with Amazon.in through API integration of its lending platform into the Amazon Lending marketplace, so businesses can manage FlexiLoans financing from the Amazon seller dashboard.

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Merchant-ecosystem platforms (e-commerce, payments, foodtech)

FlexiLoans has strategic partnerships with e-commerce platforms, payments tech, foodtech and other merchant ecosystems, and integrates with 20+ lenders via its in-house tech platform.

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CreditPeriod (acquired 2017)

FlexiLoans acquired Mumbai-based supply chain financing platform CreditPeriod to strengthen its supply-chain-finance vertical using ERP-integrated underwriting.

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Revenue Streams

Term loans

Term loans ranging from $2.5K to $30K for MSMEs.

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Supply chain finance

Supply chain finance with limits ranging from $30K to $1.2Mn.

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Cost Structure

No cited public information yet.

FAQs on FlexiLoans

What is FlexiLoans's business model?

FlexiLoans's core value proposition centers on Fully digital, collateral-free lending journey, 100% digital sourcing, zero branches.

How does FlexiLoans make money?

FlexiLoans's cited revenue streams include Term loans, Supply chain finance.

Sources & corrections. Every fact on this page is compiled from cited public sources — follow the “source” links beside each entry. Profile sources: flexiloans.com · Last verified 15 Jul 2026. · Report a correction