Full-stack API platform
for digital lending

A no-code lending as a service platform to offer a better credit experience to your customers.

For Consumer Platforms
Launch Whitelabeled B2C and B2B lending effortlessly

A no-code platform to offer loans, Supply chain, Invoice Financing to your customers, vendors, and merchants.

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For Financial Institutions
One stop LOS solution with commerce extensions

Cloud tech to manage loan originations and servicing. Expand credit offerings on partnered marketplaces.

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Platform Features

Our unique way of solving financing problem

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No Code Digital loan origination

No manual coding, ensuring rapid deployment and scalability which makes getting loans easy and quick.

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API for everyone

Extensive APIs that enable seamless integration with various systems, allowing for enhanced flexibility and customization.

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In-App Repayment

Your Customers can conveniently repay their loans directly within our app, offering a hassle-free repayment experience.

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QR Code Management

We offer QR code management capabilities, enabling businesses to utilize QR codes for offline payment in stores.

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Merchant Management

Our platform helps businesses manage merchants, transactions, and performance efficiently.

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Customer Management

Robust customer management functionalities, allowing businesses to effectively track and manage customer profiles.

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Borrower Application

Borrowers can easily apply for loans through our intuitive application process, ensuring a smooth and user-friendly experience.

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Communication Engine

Our platform enables smooth communication with customers, merchants, and stakeholders via SMS, email, and in-app notifications.

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Multi Product Platform

Enable various lending products like Pay later, Personal loans, Consumer durable loans, Invoice financing, Supply chain financing and many more.

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AI and Analytics

Our AI-powered platform helps businesses achieve sharper segmentation, improve efficiency, and boost cross-selling and up-selling efforts.

Solutions for Enterprise

Launch B2C or B2B lending effortlessly

With pre-integrated lenders, offer Personal loans, Consumer durable loans, Paylater, Supply chain, and Invoice Financing options to your customers, vendors, and merchants.

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Order Rule
Engine

Dynamically checks order’s validity like exceeding limit, unserviceable pin codes, blacklisted user to prevent fraud.

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Flexible Loan
Servicing Options

Offer your customers the flexibility to pay in installments (e.g., 3, 6, or 12 months) using our scheme engine.

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Flexi Choice of
Lenders

Choose lenders based on terms and conditions. Get suitable lender of your choice for your industry and business.

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Sharing

Center

Control pin codes, products, pricing, discounts, and lending options for different merchants and locations.

Solutions for Financial Institutions

One stop LOS solution with commerce extensions

Effortlessly start your lending operations and launch new credit products through our LOS platform and integrated commerce extensions.

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Collection
Engine

All-in-one debt collection platform that automates loan recovery and collection pipeline to streamline the recovery.

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Underwriting
Engine

Manage your underwriting rules dynamically to enhance lead filtering and credit allocation.

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Workflow
Builder

Seamlessly integrate with third-party APIs  using our intuitive workflow builder.

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KYC
Builder

Customize your KYC processes to meet regulatory guidelines and manage compliance and risk effectively.

New revenue source is a call away
Pay later

It's like a loan that lets you buy things now and pay for them later in smaller, fixed amounts. You can use it for buying online or offline. This way, you can get what you need without paying all the money upfront.

Convenience
Flexibility
Get things right away
How it works
  1. Give your PAN number and do your KYC process
  2. Get a credit limit
  3. Start shopping
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Personal Loan

A personal loan is money you borrow from banks or online lenders for different needs like debt consolidation, home renovations, or weddings, which you repay over time with interest and possible fees

Flexible Use
One Lumpsum
Flexible Repayment Terms
How it works
  1. Apply for a personal loan through a bank or an online lender
  2. The lender evaluates the applicant's creditworthiness and financial stability
  3. Once the loan is disbursed, the borrower can use the funds for various purposes
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Consumer durable loan

Consumer durable loans are tailored personal loans for purchasing gadgets and household appliances, like smartphones and TVs, ranging from Rs. 10,000 to Rs. 15 lakh, often at 0% interest or No Cost EMI, with repayment periods from days to 36 months

Easy Acquisition
No or Low Interest
Flexible Repayment
How it works
  1. Consumers apply for consumer durable loans online or in person to purchase gadgets
  2. The lender assesses the applicant's eligibility based on factors like credit history and income
  3. The borrower can purchase the desired consumer durable goods, such as smartphones or TVs
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Invoice financing

Invoice financing is a credit option where businesses borrow money using unpaid invoices as collateral, providing immediate funds for various needs like inventory purchase, debt repayment, or vendor payments.

Cash Flow Optimization
Quick Funds Access
Risk Mitigation
How it works
  1. Invoices submitted to financing company/lender, assessed for validity and customer creditworthiness.
  2. Upon approval, the business receives a percentage of the invoice amount upfront as an advance.
  3. Once the customers pay their invoices, the financing company deducts its fees and the advance provided. While the repayment process occurs directly from the collected invoice payments.
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Supply Chain Financing

Supply chain finance, or supplier finance, allows suppliers to receive early payment on invoices, reducing supply chain disruption risk and optimizing working capital for both buyers and suppliers.

Risk mitigation
Cash flow optimization
Collaboration
How it works
  1. Suppliers submit invoices for approved goods or services to the financing institution, serving as the basis for financing. Upon invoice verification, the institution provides early payment at a discounted rate
  2. On the agreed-upon due date, the buyer pays the financing institution the full invoice amount
  3. Suppliers may repay the advanced amount directly to the financing institution, depending on the arrangement's terms.
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Borrower App

Empower your customers with seamless access to loans, instant loan approvals, transparent repayment, transaction tracking, and personalised financial insights, all within a user-friendly interface. Elevate your customers' financial journey with our innovative app solution.

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Admin Panel

Streamline operations with our comprehensive admin panel. Gain real-time insights, monitor transactions, and efficiently handle borrower requests, all from one centralised platform. Ensure regulatory compliance with our powerful admin panel solution.

Merchant Panel

Optimize your business operations and drive growth with our intuitive merchant panel. Onboard your merchants, vendors, and retailers, manage their performance, enable schemes, and customize lending options effortlessly.

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Third-party integrations
to make lending seamless

Financial Ripples

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Frequently Asked Questions

How to create a merchant account on Potlee?

Login using your mobile number and OTP, and your account will automatically be created.

How to create a new organization?

Go to Create Organization page and fill in all the details to create a new organization.

What details are required to create a new organization?

All the details mentioned on Create Organization page, such as business name, address, PAN, URL, logo, bank details, etc., are required to create a new organization.

I have created an organization but it is inactive. How to make it active?

Kindly contact your Potlee Relationship Manager to activate your organization.

Join the Potlee Revolution

Revamp your brand's approach to payments and elevate your customer experience. Get in touch with us today to discover how Potlee can seamlessly integrate with your brand or marketplace

About us

Welcome to Potlee! We are a part of Shopsense Retail Technologies Ltd, operating under the provisions of the Companies Act, 2013. Potlee serves as a sophisticated technical platform, functioning as a credit gateway that links lenders with customers.
Disclaimer; Potlee is dedicated to responsible lending and promotes financial well-being for its users. Late or missed payments may result in fees and impact credit scores. Terms and conditions apply..


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