Credit-as-a-Service · AI-Native Credit Delivery
We help tech platforms launch embedded lending verticals — without the opex, talent and capital overheads.
Who this is for
If your customers hesitate at the price — anywhere from ₹50,000 to ₹5 lakh — we should talk.
The Opportunity
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.
The Choice
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.
Plug in a lead-gen partner. Earn a 1–2% referral fee. Hand over the rest.
What you gain
What it costs
Own everything — the way lenders do.
What you gain
What it costs
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.
A referral fee is rent. An owned credit journey compounds —
Why 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.
From idea to execution blueprint
The blueprint ends with a decision, not a lock-in. It's yours to execute independently — or with us:
Walk in with an idea. Walk out with a business plan.
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.
Beta + Gamma, Operated
Optional, after the blueprint. If building together is the right answer, the partnership takes two forms as it matures:
(a) We operate. Your credit engine, run as your technology and operations partner — underwriting, collections, portfolio monitoring — under your brand, inside your journey. You keep the customer, the data, and the economics.
(b) We commit. As your book proves itself, the capital strategy evolves with it — including our own capital at risk alongside yours, so growth doesn't spend your most expensive currency. Equity builds the business; it's the costliest way to fund credit losses.
Inside the DC Credit Blueprint engagement
The ten weeks are built around the questions you're already asking —
Sized in the two-week discovery; settled by Alpha's demographic and credit study.
Product design, underwriting logic and unit economics.
Lender-fit, cost of funds, and senior/junior pathways by stage.
Gap-mapped and blueprinted, onboarding through collections.
The strategy call that shapes your entire capital stack.
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.
