Kubar Labs A Kubar Labs Product

The Intel-Inside for Inclusive MSME Credit.

Turn everyday B2B transactions into instant working capital. We are the embedded credit operating system bridging the $330B funding gap—helping platforms unlock GMV and lenders acquire highly-qualified borrowers at scale.

Partner with NavDhan Explore the Infrastructure
35-40%
Approval Rates (vs 15% ind.)
< 5 mins
Time to Working Capital
11
Indian Languages Supported
1 Single
Unified Integration Plane
The Missing Middleware layer

The Modern Engine for Embedded Finance

A purpose-built orchestration layer that speaks both languages—regulatory compliance for lenders and frictionless experiences for digital platforms. We eliminate the technical headaches that cause traditional lending partnerships to fail.

Automated Underwriting Intelligence

We automate data collection and structuring—parsing GST trails, invoices, and marketplace history—delivering unified borrower profiles so your underwriting teams can make fast, confident decisions without the operational overhead.

Omnichannel Borrower Engagement

No branch visits required. We natively engage MSMEs via our Embedded Credit SDK, automated phone outreach, and AI-powered WhatsApp flows in 11 vernacular languages—creating a seamless origination pipeline.

End-to-End Orchestration

Manage everything from a single control plane. We deliver completely verified borrower files straight into your Loan Origination System (LOS) via API, achieving near-zero Customer Acquisition Costs (CAC) and drastically reducing time-to-market.

BNPL Structure

Diverse Credit Offerings

Deploy custom credit journeys in weeks. From our flagship closed-loop buyer financing (BNPL strictly for your marketplace) to unsecured term loans—tailor the exact financial product needed to boost your platform's Average Order Value (AOV).

The Infrastructure

A Dual-Sided Credit Engine

NavDhan serves as the critical connective tissue between capital and commerce. We embed our SDK directly into ERPs (like Tally), procurement networks, and all types of B2B marketplaces.

For Marketplaces

Unlock trapped GMV. Provide your buyers and suppliers the liquidity they need to fulfill demand without ever leaving your platform environment.

For Financial Institutions

Stop rejecting profitable MSMEs. Access premium, pre-qualified origination flow for a transparent 1.25–1.5% success fee on successful disbursal.

B2B Marketplaces
ERPs & Procurement
NavDhan Origination SDK
Embedded Core
Clix Capital
Partner Banks

Ready to Unlock MSME Credit?

Join the infrastructure powering India's next generation of B2B financing.

Contact Partnerships Team