About
About Quikkred
India's AI-powered digital lending platform — built to make credit accessible, affordable and transparent for every Indian.
How we got here, and where it goes.
The short version of how Quikkred got here, what we do every day, and where we are trying to take it.
2026
Where it started
Quikkred began around one observation: millions of Indians and small businesses were shut out of formal credit — not because they could not repay, but because the process assumed paperwork, branch visits and time they did not have. We partnered with Satsai Finlease Private Limited, an RBI-registered NBFC, and built the whole of it into a phone instead.
2026
What we built
The Partner Platform opened the same regulatory and technology stack to other companies — a B2B2C and B2B2B2C architecture that lets a Private Limited company lend under its own brand, and reaches last-mile borrowers through a proprietor network of neighbourhood retailers.
Now
What we do
Three things we hold ourselves to, every loan:
- Lend responsibly, and put the price in the open before anyone signs.
- Keep the whole process on one phone, end to end.
- Reach metro and rural, salaried and self-employed, on the same terms.
Next
Where this goes
To be the lender Indians reach for first — the salaried borrower in a metro and the self-employed shopkeeper who finds us through the retailer down the street, on terms neither of them has to decode.
Who actually lends you the money
Quikkred
The app, the website, the support line and the product decisions. This is the layer you talk to, and the only one most borrowers ever see.
Fluxusforge Private Limited
The stack underneath: identity checks, the rules engine that returns your decision, the Key Fact Statement, disbursal rails, repayment and collections. It operates the service; it does not lend.
An RBI-registered NBFC
The balance sheet your loan is actually written against — Satsai Finlease Private Limited or Maple Mercantile. Credit sanction, bureau reporting and final grievance escalation sit here, and whichever one books your loan is the name printed on every document you sign.
You deal with the top of the stack. The money comes from the bottom of it. Keeping brand, LSP and lender separate keeps accountability sharp and the compliance posture auditable, and it mirrors RBI’s intent under the Digital Lending Directions, 2025 — which is why the lender’s name, not ours, is the one on your loan agreement.
The three entities behind a Quikkred loan: the consumer brand, the lending service provider, and the RBI-registered NBFC that is the lender of record
Our core values
These principles guide everything we do and define who we are as a company.
Customer first
Every decision starts and ends with our customers' best interests at heart.
Trust & transparency
All-inclusive APR on every Key Fact Statement. No hidden charges, no surprise fees.
Innovation with discipline
Cutting-edge AI for faster, fairer lending — built on a regulatory-first architecture that survives an RBI inspection on a Tuesday morning.
Inclusivity
Credit accessible to every Indian, regardless of background — including last-mile borrowers reached through our proprietor network.
Excellence
The highest standards of service in everything we do — from origination to collections to grievance resolution.
Social impact
Empowering communities and contributing to India's economic growth through responsible, PSL-eligible lending.
What you can count on
Ten standards that shape every loan we make — and every interaction after it.
RBI-aligned practices
Lending and collections follow RBI's Digital Lending Directions, start to finish.
Transparent pricing
One all-inclusive rate on your Key Fact Statement — no hidden charges, ever.
Fast, secure onboarding
Apply in minutes with fully digital KYC, verified through secure channels.
Repayment on your terms
Pay early or pay extra to shorten your tenure, with zero prepayment penalty.
Bank-grade security
Your data stays encrypted and private, to DPDP and ISO-grade standards.
Real-time tracking
Watch your balance update live, with a reminder before every due date.
Dedicated support
Real people for borrowers and partners — over phone, email and chat.
Responsible lending
We lend only what comfortably fits your income and existing obligations.
Always-on fraud monitoring
Continuous checks guard every account against fraud and misuse.
Smart underwriting
Technology-led credit decisions get you an answer in minutes, not days.
Built for the audit
The current 2025–2026 regulatory instruments that govern how we originate, service and collect every loan on the platform.
RBI (Digital Lending) Directions, 2025
DoR.AML.REC.24/14.10.001/2025-26 · 8 May 2025
RBI Default Loss Guarantee Circular
8 June 2023 · Feb 2026 ECL restoration
RBI Co-Lending Arrangements Directions, 2025
Effective 1 January 2026 (RE-to-RE only)
RBI KYC Master Direction
Updated 2024 · UBO ≥ 10% declared
Outsourcing of Financial Services
RBI Master Direction · 2017, updated 2023
DPDP Act 2023 + DPDP Rules 2025
Notified 13 Nov 2025 · phased through May 2027
NBFC Scale-Based Regulation
RBI SBR Directions 2023 + Feb 2026 amendments
Fair Practices Code + RBI Integrated Ombudsman
End-to-end grievance posture
The Quikkred Partner Platform is live
Six partnership paths — Collection Services for Lenders (B2B), Lending Partner Program (B2B2C), Proprietor Network (B2B2B2C), Channel Partner, Field Collection Agent, Investor Relations — built on the same regulated stack that runs Quikkred.
Let's connect
Have questions? We're here to help. Reach out through any of these channels.
Let’s start a conversation
Loan questions, paperwork, or something else on your mind? Pick a channel below or send us a note — we’ll be right with you.
You’ll find us at
Unit No- 2045-2028, 2nd Floor, Plaza-2, Central Square Mall,
Gaushala Road, Kishan Ganj, Delhi - 110006
Form №4 · Contact