Portfolio Companies

Lendingkart Technologies is a leading Fintech company in India. Lendingkart Finance Limited is a non-deposit taking NBFC arm of Lendingkart Group, providing working capital loans and business loans to MSMEs across India. The Company is pioneering financial services for helping MSMEs grow their business through digital lending and bringing them and their family into the financial mainstream. Thus, contributing towards building entrepreneurship and a strong Indian economy.

Since its inception, Lendingkart Finance has evaluated nearly half a million applications, disbursing 1,00,000+ loans to more than 89,000 MSMEs in 1300+ cities across 29 states and union territories of the nation, making it the NBFC with the largest geographical footprint in the country.

Aligned with the Government of India’s agenda of building financial inclusion and supporting MSMEs, Lendingkart Finance works towards ensuring availability of credit for small and micro enterprises across the country that either do not have access to credit or are capital deficient currently. Lendingkart leverages robust in-house technology tools based on big data analytics and machine learning algorithms to evaluate creditworthiness. By analysing thousands of data points to assess factors like financial health, comparative market performance, social reliability & compliance and a distinctive evaluation process, Lendingkart aims to disburse loans with minimal paperwork within 72 hours.

Lendingkart Technologies has been identified as a “Soonicorn” by Inc42 in the digital lending space for possessing the potential to become a Unicorn company by 2020 and has also won the title of “Best Fintech Company” in the Lending category organized by KPMG in India along with Business Today.

Lendingkart group has a backing of strong strategic and financial investors such as Fullerton Financial Holding Private Limited, Mayfield India II Ltd., Bertelsmann Nederland B.V., Saama Capital III Ltd., India Quotient, Sistema Asia Fund.

Lendingkart has been recognized as industry leader and have won many accolades.

Harshvardhan Lunia
Co-founder and Group CEO

As the Co-founder and CEO of Lendingkart, Harshvardhan Lunia plays an imperative role in building and scaling a world-class team that designs innovative credit solutions and delivers growth for MSMEs. An exemplary leader and a pioneer at heart, Harshvardhan has always been driven by the passion of small business owners who despite of being creditworthy were not served by existing lenders. 

Prior to Lendingkart, Harshvardhan has served as the founder & director at Domestic Finance & Investment Private Limited, where he specialized in arranging alternative modes of financing for SME's. As the relationship manager at ICICI Bank bank earlier to that, Hashvardhan’s primary role involved interacting with clients, understanding their requirements & structuring the deals, in addition to interacting with risk, credit, legal, operations, and executions. Harshvardhan has also worked with The Standard Chartered Bank and HDFC Bank in varying capacities.

Harshvardhan's goal encompasses implementing Big data credit scoring with analytics and artificial intelligence. He is a Chartered Accountant and pursued his Post Graduation from ISB (Indian School of Business, Hyderabad).

Awards & Recognition

  • 2020 “World BFSI Dream Company to work for
  • 2020 “World BFSI most influential Business leader
  • 2020 “BLOY “Digital Technology Award"
  • 2019 “Best Lending Tech of the Year’ at the 9th India Digital Awards
  • 2019 “KPMG along with Business Today awarded Lendingkart Group the ‘Best Fintech Award’ in Lending category
  • 2019 “SIDBI ET India ‘MSE Award – 2019’ under Fintech Lender's category
  • 2019 “ABP News BFSI Award for 'Best Lending Tech of the Year'
  • 2019 “ABP News BFSI Award for 'Fintech Personality of the Year'
  • 2018 “Times Ascent - Dream Companies to Work for; award in the financial services category
  • 2018 “APAC Insider, an international publishing house, awarded Lendingkart Group ‘Deal of the Year’ title
  • 2017 “Startup of the year’; award in the Express IT awards 2017 organized by Financial Express
  • 2016 - 2019 “Lendingkart Group featured in Global list of 'Fintech100' by KPMG and H2 Ventures. Lendingkart is the only Indian Fintech Lender that has made it to the Global Top 50 Established Fintech Firms, included in the list of Top 50 for four consecutive years
  • 2016 “Emerging Brand of the Year 2016-17 in financial services organized by World Consulting Research Corporation (WCRC)
  • 2016 “Fastest Growing Company’ award at Golden Star Six Sigma awards
  • 2016 “Startup of the Year’ award at Grow Gujarat awards organized by CIIE, Ahmedabad