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Using Yubi’s Co-Lending Marketplace, SmartCoin Connected With Multiple Lenders.

The result
SmartCoin Case Study 1 Using Yubi’s Co-Lending Marketplace, SmartCoin Connected With Multiple Lenders.
  • Co-Lending


  • yub-product


  • yub-product

    Lending (SmartCion)


  • yub-product




Rohit Garg

CEO, SmartCoin Financials Pvt. Ltd.

We were live on the Co-Lending marketplace within a week & could connect with multiple lenders with just a click. What truly stands out for me is the tech capability due to which our consumer journey didn't change and the swiftness of their business team.

About the Company

The middle and lower-income group makes for a massive lending market where the need for microloans has been growing at a phenomenal speed. Consequently, there is an ardent need for reliable lending platforms to cater to the mid-income demographic.

SmartCoin is India’s most trusted lending platform that offers short-term credit at any time, anywhere. Mostly targeting the mid-income groups, SmartCoin offers loans up to Rs 70,000 with easy repayment tenures ranging from 91 days to 270 days with minimal documentation.

SmartCoin has been disrupting the archaic lending business in India by providing credit to a massive underserved segment and tapping into the potential of microloans. The annual credit demand for microloans ranging from $100 to $250 (Rs 7,000 to Rs 18,000) is pegged at $51.4 billion.



The Challenge

The gap that SmartCoin has been aiming to fill since its inception in 2016 are:

  1. Looking for an access to co-lending partners who can help them scale their offerings up significantly and in a short time.
  2. Partnership with a tech-first entity that had an efficient and quick process and offered seamless disbursement of funds without hampering the end borrower’s journey.

The Solution

SmartCoin found the perfect partner in YubiCo.lend that allowed them access to lenders on a unique marketplace at the click of a button.

  1. SmartCoin was able to come onboard YubiCo.lend within seven days via self-serve API and completed the one-time integration in no time.
  2. Able to collaborate with multiple lenders/investors on YubiCo.lend without integrating with each of them separately.
  3. Access to lenders and a co-lending platform that would help them increase their loan offerings, expand their target audience, and disburse more loans to the credit-strapped segments of the economy in a smooth and hassle-free manner.

The Results

Here’s what SmartCoin has been able to achieve so far:

  1. Lending services extended to 6 million+ trusted users.
  2. Loans offered to people in over 19,000 pin codes across the country.
  3. Loans worth Rs 600 crore+ disbursed.