Kubar LabsRedefining how legitimate businesses access capital
Kubar Labs is a TechFin R&D company building the embedded credit infrastructure that connects underserved businesses to the capital they need, inside the platforms they already use.
To architect the intelligent, embedded financial rails that deliver instant, data-driven capital to every legitimate business, exactly when and where they need it.
An APAC economy where a business's growth is limited only by its ambition, never by legacy credit infrastructure.
For decades, credit infrastructure was designed around large corporations with pristine paperwork. Everyone else was an afterthought.
India has 63 million MSMEs that generate 30% of GDP and employ over 110 million people. Only 14% can access formal credit. The rest pay a heavy premium to informal lenders because the system was never built for them.
We spent months on the ground in Uttar Pradesh, Bihar, and West Bengal before writing a single line of code. We watched business owners navigate a system that turned them away not for lack of ambition, but because the system could not understand their data.
We are an R&D-focused TechFin company solving credit friction at its root. Our approach rests on three pillars:
Generic credit scoring fails both lenders and borrowers. Lenders already have scoring models, but they lack rich, sector-specific alternative data to train them on. We capture operational reality at the point of transaction: inventory velocity, purchase patterns, payment behaviour, and sector-specific signals. The result is approval rates of 40–45% for our lender partners, compared to the industry standard of 15–20%.
Credit works best when it is invisible. We build infrastructure that embeds directly into existing B2B ecosystems, marketplaces, and ERPs. Borrowers never leave the platform they already use. Our lender partners receive BRE-qualified leads with near-zero acquisition cost. This is not a lending app. It is the layer underneath.
We automate the end-to-end loan lifecycle, from origination and data verification to disbursement tracking and recovery. Manual underwriting is replaced by programmable pipelines. The outcome is faster decisions, sub-INR 500 processing costs, and a loan journey that actually fits how small businesses operate.
India's first sector-specialised embedded credit hub for MSMEs. NavDhan embeds directly into B2B platforms and marketplaces, using data from multiple sources to connect their borrowers to the most appropriate lenders in under 5 minutes. Since we deliver BRE-qualified leads, our lender partners see approval rates of 40–45%, well above the 15–20% industry standard. We earn a 1.25% fee on disbursals. We do not compete with lenders. We expand their addressable market by unlocking borrowers they could never reach through traditional channels.
Programmable trust for cross-border trade. The global trade finance gap sits at $2.5 trillion. Kubar Protocol is our next-generation infrastructure layer that tokenises traditional trade finance assets into MLETR-compliant digital representations, enabling faster and more transparent cross-border settlement. Targeted for launch in 2027–2028, it extends our embedded-credit intelligence into global trade corridors.
Foundation Phase
Foundation Phase
India's MSME credit segment is severely under-penetrated. DSAs were meant to bridge the gap between financial institutions and MSMEs — but their processes remain manual, and local reach limits their impact at scale.
We proved our thesis with zero institutional capital and a field-first research culture. Along the way, we secured over $2 million USD in technical grants and credits from partners including NVIDIA, Google, Perplexity AI, OpenAI, Cloudflare, Zoho, Microsoft for Startups, Salesforce, MongoDB, and the Polkadot Blockchain Academy.
Year: 2026
This recognition validates our commitment to innovation and excellence in the fintech ecosystem.
This recognition validates our commitment to innovation and excellence in the fintech ecosystem.
Year: 2025
This recognition validates our commitment to innovation and excellence in the fintech ecosystem.
This recognition validates our commitment to innovation and excellence in the fintech ecosystem.
Year: 2024
This recognition validates our commitment to innovation and excellence in the fintech ecosystem.
This recognition validates our commitment to innovation and excellence in the fintech ecosystem.
Year: 2024
This recognition validates our commitment to innovation and excellence in the fintech ecosystem.
This recognition validates our commitment to innovation and excellence in the fintech ecosystem.
AgriGrader — active partnership; supplier consent and lead-packet generation live
Clix Capital — pilot being deployed and evaluated
IDFC First Bank — in active discussion
Punjab National Bank — design partnership proposal submitted
SBI / Maruti — strategic connections established
Building anything of deep significance almost always demands team-work. The rails of the new economy are being built right now. Come, help us build it.
Get access to our network of MSME borrowers with rich alternative data to profitably scale your MSME loan book without adding branch infrastructure.
Request a Sandbox DemoYour sellers have the demand but lack the capital to fulfil it. Embed NavDhan to unlock GMV, increase seller retention, and earn a new revenue stream.
Explore API IntegrationWe are raising capital to scale our domestic operations and finalise our global regulatory infrastructure.
Request our Data Room / Schedule a Call