Kubar Labs A Kubar Labs Product

The Embedded Engine for Inclusive MSME Credit

Turn everyday B2B transactions into instant working capital. We bridge the $330 billion funding gap by making credit simple, helping platforms grow their sales and lenders reach great borrowers easily.

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

The Modern Engine for Embedded Finance

A simple platform that speaks both languages: strict compliance for lenders and smooth experiences for your users. We take away the technical headaches that make traditional lending partnerships so difficult to launch.

Automated Underwriting Intelligence

We automatically gather and organize data from GST trails, invoices, and marketplace history. Your underwriting teams get a clear, unified borrower profile so they can make fast and confident decisions without the usual manual work.

Omnichannel Borrower Engagement

Forget branch visits. We reach MSMEs directly through our Embedded Credit SDK, automated phone calls, and friendly AI-powered WhatsApp conversations in 11 Indian languages, making the whole process seamless.

End-to-End Orchestration

Manage everything from one simple dashboard. We deliver completely verified borrower files straight into your Loan Origination System via API, cutting down your acquisition costs and helping you launch faster.

Diverse Credit Offerings

Launch custom credit journeys in a matter of weeks. Whether you need closed-loop buyer financing exclusively for your marketplace or standard unsecured term loans, you can tailor the perfect product to boost your platform's sales.

The Infrastructure

A Dual-Sided Credit Engine

NavDhan serves as the critical link between capital and commerce. We embed our SDK directly into ERPs (like Tally), procurement networks, and all types of B2B marketplaces to make credit truly accessible.

For Marketplaces

Unlock trapped sales. Give your buyers and suppliers the liquidity they need to fulfill demand, without them ever having to leave your platform.

For Financial Institutions

Stop turning away profitable MSMEs. Access premium, pre-qualified borrowers for a simple and transparent 1.25 to 1.5% success fee upon 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