CREDIT-AS-A-SERVICE · AI-NATIVE CREDIT DELIVERY
Your customers want credit. Own it.
We help tech platforms launch embedded lending verticals — without the opex, talent and capital overheads.
Scroll ↓
The customers you're not converting
Every business has customers who want exactly what it sells — and stop at the price.
Credit at the point of sale turns that price into a monthly number — and “too expensive” becomes “yes.”
Most businesses know this. The question is how.
Three ways to build an embedded lending vertical
Every platform that takes credit seriously ends up choosing one of these. Open each to see what it gives you — and what it quietly takes.
Refer the leads
Plug in a lead-gen partner. Earn a 1–2% referral fee. Hand over the rest.
What you gain
- The fastest possible start, with no capex.
- A small referral income on every loan.
What it costs
- The customer journey leaves your hands: the moment that decides whether they buy is run by someone else's app and someone else's rejection rules.
- You sell less than you could, and never learn why.
- No customer data, no upside. The integration breaks first in a downturn.
WHAT IT GIVES & TAKES +
Build it yourself
Own everything — the way lenders do.
What you gain
- Full ownership: the customer, the data, the economics, and the algorithm you invest in.
What it costs
- ₹1.5 Cr+ and the better part of a year before your first loan.
- A credit team hired in a market where credit talent is scarce.
- The operating and regulatory weight, carried forever, while credit mistakes compound quietly until they become expensive.
WHAT IT GIVES & TAKES +
Build it with us
In-house outcomes, without the in-house build.
Faster go-to-market. Live in months, not years.
Capex-lite. A fraction of the cost of building alone.
An expert-built platform. Designed and run by people who've built India's largest lending books: financial product design, underwriting, lender partnerships, collections and compliance, with experienced operators holding every judgment call.
Your brand, your journey, your economics. Your customer never leaves your world: in your app, at your counter, wherever you sell.
WHAT YOU GET +
A REFERRAL FEE IS RENT. AN OWNED CREDIT JOURNEY COMPOUNDS —
Build your credit vertical with Debitum Cube
An integrated Credit-as-a-Service offering for originators building embedded lending businesses. No one else covers strategy, capital and execution together — we productize all three, so what you build is a risk-balanced embedded credit vertical, not just a loan widget.
DC ALPHA
Define the credit business.
- Financial product design
- Customer journey design
- Customer demographic and credit study
- Underwriting logic and segmentation
- RBI compliance framework review
- Unit economics and business case
What's inside +
DC BETA
Structure the capital stack.
- Debt capital partnership strategy
- Senior and junior debt pathways by business stage
- Cost-of-funds and lender-fit strategy
- Structures that minimize equity dilution
- Long-term partnership alignment
What's inside +
DC GAMMA
Build the operating layer.
- Tech and ops blueprint
- Onboarding, underwriting, repayment and collections architecture
- Operating workflow design
- Build-internally vs build-with-DC decision framework
- Go-live execution planning
What's inside +
From idea to execution blueprint
The Walk-Through — 1.5 hours
Walk in with an idea. Walk out with a business plan.
The DC Credit Blueprint engagement
Business plan to execution blueprint. Opening with a two-week discovery, the work runs through DC Alpha, DC Beta and DC Gamma — and ends with the execution blueprint for your credit vertical: product, capital and operations, ready to build.
DC CaaS partnership
Optional, after the blueprint. If building together is the right answer, the partnership takes two forms as it matures:
Built by the people who scaled a ₹2,000 Cr lending book to ₹18,000 Cr — with deep domain expertise across credit, tech and operations, and £355M+ deployed in structured finance.
Your customers are hesitating at the price right now. Let's change that.
Two fields, thirty seconds. We reply to everything that fits what we do.