NavDhan helps lenders originate and pre-qualify businesses inside the B2B platforms those businesses already use, using permissioned platform signals and lender-neutral routing.
Businesses transact on your platform, but financing remains disconnected from the workflow.
You have lending capacity, but fragmented B2B ecosystems are difficult to reach and integrate.
A lender-neutral origination layer embedded inside fragmented B2B platforms. NavDhan captures borrower intent and permissioned operational signals, then creates and routes lender-ready applications into existing lender systems.
Lender-ready
Structured applications for existing lender systems
Contextual
Permissioned platform and transaction signals
Multi-lender
Rules-based routing across eligible products
Offer contextual business financing without building lender integrations or internal credit operations. NavDhan charges the platform no integration or subscription fee.
Explore Platform IntegrationBusinesses can fulfil orders that may otherwise be delayed or abandoned because of a working-capital gap.
Contextual financing gives businesses another reason to transact and remain active on the platform.
Eligible platform partners may receive a success-based revenue share on loans disbursed through their ecosystem.
NavDhan handles the origination workflow and lender integrations. Final credit decisions remain with regulated lenders.
Agent or branch
Repeated paperwork
Manual follow-ups
Delayed or lost opportunity
IMPLEMENTATIONSTEP 01
Sheetal receives a ₹10 lakh bulk order through a B2B platform.
Order Window
₹10LIllustrative order signal captured from a B2B platform.
STEP 02
She needs ₹4 lakh in working capital to fulfil it.
Required
₹10L
Available
₹6L
Illustrative working-capital gap calculated from order value and available liquidity.
STEP 03
NavDhan captures the credit request inside the platform workflow.
Embedded widget flags intent with confidence markers.
STEP 04
With consent, NavDhan retrieves and structures relevant platform and financial data.
Permissioned data is retrieved and structured for the lender application.
STEP 05
Lender-configured rules and sector-specific signals pre-qualify the application.
Status
Eligible
Sector-specific signals support lender-configured pre-qualification.
STEP 06
The lender-ready application is routed to eligible lenders.
Illustrative Lender Offer
Subject to Lender ApprovalAmount
₹4L
Rate
Lender-set
Tenure
Lender-set
Lender-ready application routed to eligible lenders.
STEP 07
The selected regulated lender completes underwriting, pricing and disbursal.
The regulated lender completes underwriting, documentation and disbursal.
STEP 08
Sheetal fulfils the order without leaving the platform.
Q1
Q2
Q3
Q4
The business fulfils the order after lender-approved disbursal.
Built byKubar LabsKubar Labs builds financial infrastructure for business credit. NavDhan is our embedded origination platform for domestic business lending, with planned extensions into secured credit and trade-finance workflows. Kubar Protocol is our longer-term R&D initiative for digital trade assets and cross-border settlement.
Embedded origination infrastructure for business lending
Long-term R&D for digital trade assets and cross-border settlement
Compliance and data protection are shared responsibilities, supported by configurable workflows and controls.
Designed for Lender-Configured Compliance
NavDhan is designed to support regulated entities and lending service providers in configuring disclosures, consent, data use and offer presentation around applicable RBI digital-lending requirements. Each regulated lender remains responsible for its policies, approvals and compliance obligations.
NavDhan is designed to support regulated entities and lending service providers in configuring disclosures, consent, data use and offer presentation around applicable RBI digital-lending requirements. Each regulated lender remains responsible for its policies, approvals and compliance obligations.
Purpose-Limited, Consent-Led Data Use
NavDhan is designed around purpose-specific notices, consent, access controls and configurable retention practices. Compliance depends on the implementation and the respective roles of Kubar Labs, platform partners and lenders.
NavDhan is designed around purpose-specific notices, consent, access controls and configurable retention practices. Compliance depends on the implementation and the respective roles of Kubar Labs, platform partners and lenders.
Part of India's Responsible FinTech Ecosystem
Kubar Labs is a member of FACE, the RBI-recognised Self-Regulatory Organisation in the FinTech Sector (SRO-FT), and participates in an ecosystem focused on responsible conduct and consumer protection.
Kubar Labs is a member of FACE, the RBI-recognised Self-Regulatory Organisation in the FinTech Sector (SRO-FT), and participates in an ecosystem focused on responsible conduct and consumer protection.
Supported by a MeitY-Backed FinTech Programme
Kubar Labs is incubated at STPI FinGlobe, an initiative of Software Technology Parks of India focused on supporting FinTech innovation and market development.
Kubar Labs is incubated at STPI FinGlobe, an initiative of Software Technology Parks of India focused on supporting FinTech innovation and market development.
Recognised at NIBM, Pune
Kubar Labs received a FinVision 2026 award at NIBM, Pune, an autonomous institute established by the Reserve Bank of India in consultation with the Government of India.
Kubar Labs received a FinVision 2026 award at NIBM, Pune, an autonomous institute established by the Reserve Bank of India in consultation with the Government of India.
