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Broad Business Model

Broad Business Model

We are a highly curated marketplace for Personal Loans on one side and on the other side of the platform, we provide a lucrative fixed income investment class. Our loans range from ₹5000 to ₹5,00,000 with the tenure ranging from 3 to 36 months.

Lendbox acts as an intermediary providing an online marketplace or platform to the participants involved in Peer to Peer lending. We provide a highly curated platform for investors to invest their money in a new asset class i.e. People of India.

Lendbox facilitates the entire process from acquiring the user (both lender and borrower) to collections of EMIs on behalf of the users. The borrowers are listed onto the platform after thorough due diligence on their personal, professional, financial and social information. A core proposition that Lendbox brings to the table is bringing a hassle free, human less and paper less process. Both ways, funds are transferred through Lendbox's Escrow Cash Management systems.

Revenue and Fees: For Borrowers:

A borrower is to pay a sign up fee of ₹500 + GST and an additional processing fee of 2%-6% of the loan amount at the time of loan disbursal. The specifics can been seen in the FAQ section for borrowers.

For Investors:

A commission of 1% of the loan amount committed is charged by the Lendbox, the commission is to be paid in advance at the time of commitment.