About Us – Namaste Credit

Small Team with a Big Vision

Namaste Credit was founded in 2015 by a team of seasoned credit and technology entrepreneurs whose mission was to address the systemic problems incumbent in the lending ecosystem for SMEs, financial advisors, and lenders.

Gaurav, Lucas and Krishnan had been toying with various ideas for some time before settling on the most impactful model that they could contemplate given their amalgam of the skill sets and experiences.

Gaurav had extensive experience in credit assessment, Krishnan had a legacy of building technology products and Lucas had been deeply involved in tech sales, research and analytics.

The result was the founding of Namaste Credit to address the massive opportunity for tech-enablement in SME Lending.

Our Journey

2015 - Loan Hub launched & scaled to Industry Leadership

As a first step, we built and launched an Online SME Loan Marketplace that efficiently matches borrowers and institutional lenders. The success of our digital platform and industry leading matching algorithm led to Namaste Credit becoming the largest online platform for SME credit in India.

2018 - Lenders demand Namaste Credit technology for in-house use

As we grew, we realized that conventional Onboarding and Underwriting processes, based on manual interventions and paper documents, were hampering loan disbursements and efficient growth across the industry. Lenders needed a solution and we filled the gap by starting to license the Namaste Credit platform on a white label SaaS and API basis. This enabled many large lenders to create seamless Digital Customer Journeys (DOS) and automate multiple Credit and Risk Processes (iCAM).

2020 - Bringing Neo Banking capabilities to our SMEs

Recently, we have further enhanced the borrower and financial advisor experience by providing a range of Neo Banking features. This includes the ability to transact seamlessly with customers and suppliers across multiple bank accounts and getting real time insights in a single view.

2021 - Continuing to Drive Bleeding Edge Tech Adoption

Today, thousands of SMEs rely on us to help finance and manage their business digitally. In addition, most of the Leading Banks and NBFCs leverage Namaste Credit’s next generation technology stack, built on AI and ML, to quickly scale their sourcing, onboarding, underwriting, and risk monitoring operations.

Everyday we strive tirelessly to continue innovating, having filed 3 patents already, and bringing value to each of our stakeholders, with the aim of further Democratizing Credit for all SME’s.