FinBox, a leading credit infrastructure and risk intelligence platform, introduced its Partnership Lending Stack 2.0 (PL Stack 2.0) at the Bharat Fintech Summit 2025. This innovative solution is designed to help banks, NBFCs, and financial institutions streamline partnership-driven lending and launch embedded credit products within weeks.
Accelerating Embedded Lending with PL Stack 2.0
PL Stack 2.0 provides a full-suite vendor journey solution for partner discovery, onboarding, and management, allowing lenders to accelerate time to market, reduce costs, and scale efficiently. Already in use by several major NBFCs, this solution is enabling the rapid launch of credit products across platforms such as payment apps, UPI apps, e-commerce platforms, and marketplaces. Some lenders have already reached monthly disbursals of Rs 250 crore using PL Stack 2.0.
“It is time we start viewing credit with a last-mile approach. When a small business owner needs working capital, they’re more likely to consider it while managing their digital business account than during a bank visit. When a consumer needs a personal loan, they’re more likely to accept it during their shopping experience than through a cold call from their bank,” said Rajat Deshpande, CEO of FinBox.
FinBox aims to disburse over 70 lakh loans to retail borrowers through this stack in the coming quarters. Its clientele includes major private banks, small finance banks, NBFCs, fintech firms, and UPI apps.
Bridging the Lending Gap Between Platforms and Lenders
Most consumer platforms have large user bases but lack lending capabilities, while banks and NBFCs have capital but limited reach. Partnership lending bridges this gap by embedding credit solutions into digital platforms where users already engage in financial transactions. The launch of PL Stack 2.0 marks a key milestone in FinBox’s mission to create a connected and collaborative lending ecosystem.
Key Features of PL Stack 2.0
The PL Stack 2.0 offers:
- Pre-Integrated Lending Service Providers (LSPs): Access to pre-verified marketplaces, fintech super apps, and DSAs for instant activation.
- Modular APIs and SDKs: Seamless connectivity with partner systems.
- Customizable Partner Programs: Lenders can define boundaries, configure workflows, and adapt to partner-specific requirements with ease.
- Advanced Analytics: Insights into partner performance, funnel optimization, and actionable data for strategic decision-making.
A standout feature of PL Stack 2.0 is the Partnership Control Plane, which provides lenders with a centralized dashboard to manage partnerships, track risk, and enable timely decision-making.
About FinBox
FinBox is a full-stack lending infrastructure provider that empowers businesses to offer tailored credit products to their customers and partners. The company’s API-driven credit infrastructure and risk intelligence suite enable financial institutions to extend credit even to small businesses and MSMEs with limited credit histories.
FinBox’s product suite includes a bank statement analyzer, an alternate data underwriting engine, a loan origination system (LOS), journey orchestration tools, partner management modules, a business rules engine, and a multi-bureau analytics platform.
With the launch of PL Stack 2.0, FinBox continues to revolutionize embedded finance, making credit more accessible and seamless across digital ecosystems.
