India's first embedded, plug-and-play business credit marketplace. We help NBFCs lend faster, smarter, and at scale while making credit access seamless for millions of MSMEs.
Your sellers have the orders. They just don't have the capital to fulfill them.
You have the capital. But the infrastructure to deploy it profitably at scale doesn't exist.
OUR FIRST PRODUCT
A sector-specialized embedded business credit platform that sits directly inside B2B platforms and marketplaces where MSMEs already work.
5 min
From Request to approval
1 hour
Approval to cash in hand
35-40%
Approval rate vs. 15-20% industry average
Replicate traditional credit cycles, while your suppliers still receive instant settlements. Unlock credit facilitation fees without making any changes to your platform
Partner With UsSellers fulfill orders they'd otherwise abandon due to lack of working capital.
Embedded financing becomes a reason sellers choose and stay on your platform.
Earn a share on every loan facilitated through your platform — with zero hosting risk.
Plug-and-play APIs and SDKs. We handle all credit infrastructure and compliance.
Bank branch
Paperwork
2 weeks of waiting
Order lost
IMPLEMENTATIONSTEP 01
Sheetal is a Textile merchant, who receives a ₹10L bulk order on ONDC
Order Window
₹10LBulk order signal captured from ONDC.
STEP 02
Sheetal lacks ₹4L for raw materials
Required
₹10L
Available
₹6L
Gap calculated instantly from requirement vs liquidity.
STEP 03
NavDhan's embedded widget detects the capital need
Embedded widget flags intent with confidence markers.
STEP 04
Sheetal's Financial & Marketplace data is pulled via Data Manager Service in 5 mins
Data Manager Service fetch completed in under 5 minutes.
STEP 05
Sector-specific AI scores Sheetal's creditworthiness
Score
742
Sector model computes composite creditworthiness score.
STEP 06
Pre-approved loan offer appears in Sheetal's order screen
Offer Sheet
Pre-approvedAmount
₹4L
Rate
12.4%
Tenure
90 days
Pre-approved offer rendered directly in checkout flow.
STEP 07
Funds hit Sheetal's bank account within 1-3 hours
Funds routed lender to merchant account in 1-3 hours.
STEP 08
The Order is fulfilled. Sheetal's Business grows.
Q1
Q2
Q3
Q4
Order fulfilled and growth metrics improved post-disbursal.
Built byKubar LabsKubar Labs is a TechFin Research & Development company building the foundational infrastructure for next-gen credit assets and systems. We are bringing 10M Indian MSMEs into the formal credit economy with NavDhan, paving the way for our global cross-border trade solution - Kubar Protocol.
Embedded MSME credit infrastructure for India
Efficient tokenisation of cross-border trade assets
Compliance isn't a checkbox. It's our architecture.
RBI-Aligned by Design
Kubar's infrastructure is built in full compliance with the RBI's Digital Lending Directions (2022), covering fund flow transparency, DSA obligations, grievance redressal, and customer data usage. Lenders deploy through us without worrying about regulatory gaps.
Kubar's infrastructure is built in full compliance with the RBI's Digital Lending Directions (2022), covering fund flow transparency, DSA obligations, grievance redressal, and customer data usage. Lenders deploy through us without worrying about regulatory gaps.
Your Borrowers' Data, Protected by Law
We comply with India's Digital Personal Data Protection Act (2023) - every piece of borrower data collected through Kubar is purpose-bound, consent-driven, and never shared without authorization. Privacy is not a feature. It's the foundation.
We comply with India's Digital Personal Data Protection Act (2023) - every piece of borrower data collected through Kubar is purpose-bound, consent-driven, and never shared without authorization. Privacy is not a feature. It's the foundation.
Industry-Governed. Borrower-First.
Kubar is an active member of FACE (Fintech Association for Consumer Empowerment), the RBI-recognized Self-Regulatory Organization for digital lending. Membership means adherence to the industry's highest standards for fair lending, transparency, and consumer protection.
Kubar is an active member of FACE (Fintech Association for Consumer Empowerment), the RBI-recognized Self-Regulatory Organization for digital lending. Membership means adherence to the industry's highest standards for fair lending, transparency, and consumer protection.
Incubated by India's Government Fintech Program
Kubar is incubated under STPI FinGlobe, a MeitY-backed program under Software Technology Parks of India that selects high-potential fintech startups building credible, innovation-led and global infrastructure for India's financial ecosystem.
Kubar is incubated under STPI FinGlobe, a MeitY-backed program under Software Technology Parks of India that selects high-potential fintech startups building credible, innovation-led and global infrastructure for India's financial ecosystem.
Recognized at India's Premier Fintech Forum
Kubar won the FinVision Award at the FinTech Edge Summit 2026, organized by NIBM Pune - a banking think-tank established by the Reserve Bank of India. One of the most credible recognitions in Indian fintech, awarded for breakthrough work in embedded credit infrastructure for MSMEs.
Kubar won the FinVision Award at the FinTech Edge Summit 2026, organized by NIBM Pune - a banking think-tank established by the Reserve Bank of India. One of the most credible recognitions in Indian fintech, awarded for breakthrough work in embedded credit infrastructure for MSMEs.
