Aarthik Labs offers an API‑first credit layer that lets SaaS platforms and agent networks embed multi‑lender loan discovery into their user experiences. Its real‑time rule engine pre‑screens borrowers, delivering high‑intent demand while handling compliance with India’s ONDC and OCEN frameworks, allowing partners to start with a lightweight managed LSP module and scale to deeper integrations.
Funding
Funding not disclosed
Founders
Product
Problem
Small businesses in India often lack access to credit that aligns with their specific operational context, and existing loan products are typically offered through separate, compliance‑heavy processes that limit integration with the SaaS tools and agent networks they already use.
Solution
Aarthik Labs provides an API‑first credit layer that lets SaaS platforms and agent networks embed multi‑lender loan discovery directly into their user experiences. The platform’s rule engine pre‑screens borrowers in real time, delivering high‑intent demand while handling compliance with India’s ONDC and OCEN frameworks. Partners can choose a lightweight managed LSP module or a deeper direct API integration, allowing them to start with minimal effort and scale as their compliance readiness grows. By delivering contextual credit offers and built‑in disclosures, Aarthik Labs enables faster approvals and better‑matched financing for everyday business applications.
Target Audience
Primary customers are SaaS providers and agent networks serving Indian small and medium enterprises that need to embed credit products into their platforms.
Features
- API‑first integration with optional managed LSP module for flexible depth of integration
- Real‑time rule‑engine pre‑screening that matches borrowers to suitable lenders and increases intent quality
- Multi‑lender credit discovery delivering a range of loan options within a single user flow
- Native compliance handling for ONDC and OCEN, eliminating the need for partners to manage regulatory requirements
- Contextual credit offers that incorporate user and business data from the host SaaS application
- Plug‑and‑play credit layer that allows partners to start light and expand functionality over time