LendBase is complete digital lending infrastructure — loan origination, eKYC, credit scoring, disbursement, collections, and RBI compliance — delivered as a service. Built on 35 years of NBFC expertise by Nishtha Leasing. Powered by modern APIs from Ardhanex Tech.
Building digital lending infrastructure from scratch costs crores, takes 12–18 months, and requires 8+ vendor integrations plus a compliance team. Or you deploy LendBase.
Building digital lending infrastructure from scratch is an enormous undertaking. You need eKYC vendors, credit bureau integrations, NACH mandates, eSign providers, Account Aggregator connections, and a compliance officer who doesn’t sleep.
Every vendor is a separate contract, a separate integration, a separate audit surface. By the time you’re live, your competitors are already scaling.
Or you deploy LendBase — and go live in 4–8 weeks with everything pre-built and RBI-compliant from day one.
From borrower application to loan closure — LendBase handles the entire lifecycle so your team doesn’t have to.
Multi-channel intake via WhatsApp, web form, partner dashboard, or embedded iframe. Configurable fields per lending program.
Aadhaar OTP for loans under the threshold. Video KYC with liveness detection. PAN verification via NSDL. Karza/Signzy integrated.
CIBIL + Experian pulls. Bank statement via Account Aggregator. GST data for business loans. Proprietary LendBase Score (0–1000).
Auto-approve, manual review, or hybrid. RBI-compliant Key Fact Statement auto-generated. 3-day cooling-off enforced.
Auto-generated loan agreements. eSign via Leegality/Digio. e-Stamp via SHCIL. NACH mandate registration.
Direct bank-to-borrower (RBI-mandated). NEFT/RTGS/IMPS via Razorpay X. WhatsApp confirmation with EMI schedule.
UPI AutoPay + NACH. Automated WhatsApp reminders. Escalation: reminder → call → field visit → legal notice.
Every RBI DLG 2022 requirement automated. Fair Practices Code. Grievance redressal. Audit logs. Regulator-ready exports.
Every other lending platform sells you software and wishes you luck with compliance. LendBase includes the NBFC license, the credit risk framework, and 35 years of operational expertise — because LendBase is a product of Nishtha Leasing Pvt Ltd.
Partners don’t need their own NBFC license. Nishtha Leasing Pvt Ltd — RBI-licensed since 1991 — originates and books every loan. Partners co-lend or refer. Nishtha bears the credit risk. You bring customers. We handle everything else.
Borrowers apply, submit documents, accept offers, receive confirmations, and get EMI reminders — all via WhatsApp. 90%+ open rates. No app downloads. No portal logins. India’s borrowers live on WhatsApp. So does LendBase.
RBI regulations change. Compliance requirements evolve. Nishtha Leasing has navigated every regulatory shift since 1991 — and that institutional knowledge is baked into every line of LendBase code. You don’t need a compliance officer. You need LendBase.
Expand lending volume without building technology. Configure your program, share WhatsApp links, let LendBase handle everything.
Formalize dealer credit. Stop losing crores to informal IOUs. Digitize supply chain financing with proper documentation and collections.
Offer Buy Now, Pay Later to your customers. Checkout conversion goes up. Default risk is on Nishtha. No lending license required.
Embed lending into your app via REST APIs. Don’t build a lending stack — plug into ours. Full OpenAPI docs and sandbox environment.
Reach Bharat’s underserved borrowers. WhatsApp-native application, Aadhaar OTP KYC, instant micro-disbursement to any bank account.
Deploy fully branded lending apps — web, Android, and iOS — customized for your niche. LendBase handles the technology. You own the customer relationship.
Tell us your vertical. We'll show you the ready stack in 48 hours.
LendBase VoiceBot handles outbound calling, lead qualification, and borrower conversion — in Hindi and regional languages — around the clock. No sales team required.
Submit organization details. Sign co-lending agreement via eSign. Configure your lending program — rates, tenure, collection method, borrower form fields. Our onboarding team guides you through every step.
Choose your integration path: WhatsApp link (zero-code), web embed (iframe), or full REST API. Test the complete borrower journey in sandbox. Train your team on the partner dashboard.
Compliance review completed. WhatsApp templates approved by Meta. You’re live. Share your lending link with borrowers. First disbursements start flowing.
Monitor loans, collections, NPA, and commissions from your partner dashboard. LendBase handles KYC, scoring, disbursement, collections, and compliance. You focus on growth.
Nishtha Leasing was founded in 1991 in Model Town, Panipat. For over three decades, it operated as a traditional NBFC — processing applications on paper, maintaining physical ledgers, building deep relationships across Haryana and Northern India.
That institutional knowledge — understanding risk, managing collections, navigating RBI compliance — is irreplaceable.
35 years. Thousands of loans. Zero RBI actions. Spotless compliance record.
In 2025, Nishtha Leasing partnered with Ardhanex Tech to build what neither could alone: a modern, API-first digital lending platform backed by a real NBFC license.
Architecture designed. Infrastructure provisioned. Integrations with CIBIL, Experian, Karza, Leegality, Razorpay X, and WhatsApp Business API mapped and ready. First partners being onboarded.
We’re building the lending infrastructure layer for Bharat.
RESTful APIs, OpenAPI 3.0 docs, multi-tenant isolation, PostgreSQL 16 + Prisma ORM.
# Create a loan application curl -X POST https://api.lendbase.in/v1/applications \ -H "Authorization: Bearer YOUR_PARTNER_KEY" \ -H "Content-Type: application/json" \ -d '{ "borrower": { "name": "Rajesh Kumar", "phone": "+919876543210", "pan": "ABCDE1234F" }, "loan": { "amount": 150000, "purpose": "working_capital", "tenure_months": 12 } }'
You don't need a customer base to participate in fintech. Invest alongside LendBase's existing NBFC partners — earn returns on deployed loan capital — fully RBI-compliant, fully transparent.
India's credit gap is ₹25+ lakh crore. Millions of MSMEs, farmers, and households need loans that banks won't give. LendBase fills that gap — and you can be part of it. Co-invest with Nishtha Leasing's active NBFC portfolio and earn competitive, risk-managed returns.
Traditional lending requires borrower sourcing, collections infrastructure, and compliance teams. With LendBase's Capital Partner program, you bring capital — we handle everything else. Your money works in vetted, RBI-compliant loan portfolios managed by a 35-year-old NBFC.
partnerships@lendbase.in · Nishtha Leasing Pvt Ltd, Model Town, Panipat
LendBase pricing is tailored to your lending program — volume, loan types, integration depth, and support level. No setup fees. No hidden charges.
We’ll walk you through the platform, discuss your use case, and structure pricing around your loan volume and integration depth. Most partners are live within 4 weeks of their first conversation.
Schedule a DemoJoin India’s first NBFC-backed lending infrastructure platform. Powered by Nishtha Leasing’s 35-year legacy. Built by Ardhanex Tech.