We are Not Just About Business Loans – We are About Fuelling Business Growth

Our Business Management Suite drives smarter lending by aggregating leads from:

      Channel Partners
      • Expanding reach through trusted networks
      Financial Institutions
      • Connecting businesses with the right lenders
      SMB Transaction Data (Latent Leads)
      • Unlocking credit potential from business activity
      Pumpkin Direct Marketing
      • Engaging businesses with tailored credit solutions
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Our Differentiators

Pumpkin’s scalable automation, AI-driven eligibility, and risk assessment provide unmatched visibility for superior loan sourcing and enablement.

Unlocking New Opportunities

  1. Drive Eligibility with “True Business Data”
    • Leverage real business performance for better credit access
  2. Lower Customer Acquisition Cost
    • Efficient credit matching reduces costs
  3. More Customers Eligible for Credit
    • Expand credit access with data-backed insights
  4. Paperless Processing
    • Fully digital workflows for cost-effective lending

Improved Efficiency & Scale

  1. Automated Credit Recommendations
    • AI-driven assessments at scale
  2. Calculate Repayment Capacity
    • Smarter credit decision-making
  3. Quick Disbursals
    • Accelerate loan processing and approvals
  4. Higher Credit Manager Throughput
    • Optimize lender efficiency

Automated Risk Assessment

  1. 360° Risk Profiling
    • Analyse all business aspects to mitigate lending risks
  2. Reduce Fraud & Forged Documentation
    • AI-powered verification & fraud detection
  3. Improve Asset Quality & Reduce NPAs
    • Smarter credit risk assessment
  4. Financial Discipline Assessment
    • Track borrower financial behaviour

Enhanced Visibility & Monitoring

  1. Complete Accounting Data Integration
    • Identify all cost heads
  2. Business Performance & Profit Tracking
    • Ensure sustainable lending
  3. Leakage Detection & Cashflow Monitoring
    • Strengthen financial oversight
  4. Post-Disbursal Asset Performance Tracking
    • Monitor loan utilization
  5. Automated Repayment Management
    • Reduce delays & defaults

Onboarding Methodology

A seamless and structured approach to onboarding businesses onto the Pumpkin lending ecosystem.

  1. Signup & Paperwork
    • Hassle-free digital onboarding with minimal documentation
  2. Policies & Rules for MSME Lending
    • Standardized compliance with regulatory frameworks
  3. Identification of Credit Products & Schemes
    • Matching businesses with the right loan options
  4. Borrower Profiles
    • Comprehensive profiling based on financial and transactional data
  5. Digital Journey Development
    • Fully digital, paperless application and approval process
  6. Agreement on Customer-Facing T&Cs
    • Transparent terms to ensure clarity and trust

This ensures a smooth, compliant, and efficient onboarding experience for businesses and lenders.

Pumpkin Solutions

A pre-approved loan marketplace combined with a next-gen LOS & AI-driven credit assessment for seamless lending.

Marketplace

Credit Marketplace (SCM)

Free Integrated Lead Generation & Pre-Assessment Platform Leads are pre-screened based on lender-specific criteria

LOS

Loan Origination System (LOS)

End-to-end digital loan processing – from application to post-disbursal AI-powered credit lifecycle management

CAM

Credit Assessment Module (CAM)

AI-driven Risk Score based on multi-dimensional analysis Customizable parameters for lender-specific assessment

Our Credit Partners

We work with multiple Credit Partners to provide you with various custom credit options

HDFC Bank
Yes-bank
Yes-bank
Yes-bank
piramal
dmi
poonavala
hero
flexiloans
indifi
idfc

Stay in control of your business