Turn your customer base into a credit-enabled growth engine. Bring your distribution — Kosh powers the capital, compliance, underwriting, and loan servicing end-to-end.
Sources the customer and captures credit demand in your user journey
Instant KYC, automated underwriting, disbursals, and lifecycle servicing
You have the customer relationships and product distribution. Kosh provides the turnkey lending stack to embed credit seamlessly into your user experience.
Your platform or field team captures borrower demand directly within your existing product or checkout flow.
Customer details flow securely into Kosh through a lightweight SDK or co-branded onboarding link with zero manual friction.
You retain brand equity through co-branded or white-label journeys, while all lending compliance is handled by Kosh and NFCPL.
Track every application, sanction, disbursal, and repayment status across your cohort on a unified partner dashboard.
Instant digital KYC, multi-bureau pull, and algorithmic risk scoring run against verified credit policies in seconds.
Approved loans are funded directly from NFCPL's balance sheet and institutional co-lenders — zero capital risk for you.
e-Mandate setup, automated repayment reminders, and statutory bureau (CIC) reporting operate smoothly under full regulatory cover.
Kosh and NFCPL manage collections, reconciliation, and transparent FLDG terms set out in your partnership agreement.
The Kosh lending stack was built around a proven model — your enterprise brings customer distribution, and Kosh delivers the credit engine and capital.
Kosh collaborates with leading enterprises and platforms to deliver embedded lending solutions powered by in-house NBFC NFCPL.
Kosh, backed by RBI-registered NBFC NFCPL, has partnered with YesMadam, India's leading at-home salon and grooming services platform, to provide personal loans and professional kit financing. The partnership enables service professionals to access credit seamlessly through a fully digital lending journey.
Kosh has joined hands with Jupiter Electric Mobility (JEM) to power battery financing for electric vehicle buyers. Through this partnership, Kosh delivers embedded lending solutions integrated directly into JEM's dealer and customer journey, making EV ownership more accessible and affordable.
Kosh has partnered with Bytepe to extend embedded lending solutions to its customer base. The collaboration combines Kosh's multi-lender credit infrastructure with Bytepe's platform to deliver a seamless, high-conversion financing experience for end users.
Kosh has partnered with Greaves Electric Mobility to power seamless financing for electric two- and three-wheelers. Through Kosh's fully branded digital lending platform, customers can apply, get approved, and manage EMIs digitally, delivering a fast, transparent, and hassle-free financing experience.
From borrower onboarding and risk decisioning to balance-sheet capital and collections, everything you need to offer credit runs on one integrated operating system.
The difference between sourcing applications manually and running a scalable embedded lending business.
Underwriting, KYC, flow-of-funds, and bureau reporting designed strictly around RBI's Digital Lending Guidelines from day one.
Co-branded or white-label customer journeys keep your brand front and center, while Kosh and NFCPL handle the underwriting and capital.
Revenue share, default guarantees (FLDG), and settlement terms are clearly agreed in your partner contract — never hidden in fine print.
Whether it's a 100-borrower pilot or a multi-thousand-loan portfolio, our resilient cloud infrastructure scales seamlessly with your demand.