Credit that fits.
Right where
your users are.
Capital
Compliance
Context
The credit layer for India’s everyday business apps
Small businesses deserve credit that fits - not loans pushed without context.
Aarthik Labs enables credit access through the SaaS apps and agent networks users already rely on - powered by ONDC and OCEN.
Multi-lender credit access
Platforms and agents can offer their users multi-lender credit discovery, native loan journeys, and built-in disclosures
API-First Integration
Managed LSP module, or direct API. Integrate at the depth that suits your product and compliance readiness.
Contextual insights, not just credit
We combine multiple data sources to surface: cash-flow insights, subsidy eligibility, tax planning and working capital options. Helping MSMEs move from reactive borrowing to confident financial planning.
Smart decisioning, at every step
Our rule engine pre-screens borrowers and runs eligibility checks in real time. Result: Higher-intent borrower demand, better-matched credit, faster approvals
Plug-and-Play Credit Layer
Pre-screened demand. Compliant distribution.
Aarthik Labs acts as a compliant intermediary between lenders and user-facing platforms, delivering pre-screened, high-intent demand with full LSP compliance already managed. Built natively on India’s open rails - ONDC and OCEN.
Quality pipeline, not just volume.
Start light. Scale deep.
Compliance built in, not bolted on.
Built on India's open rails - ONDC and OCEN native
Team & Backers
Built by practitioners. Backed by credible institutions.
Founders
Backed by credible institution
IIMA Ventures
Early-stage investor
