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Business Model

The Borrower

  • Once the borrower is registered, their loan listing page is displayed to the lender.
  • Lender will verify and assess the creditworthiness of the borrower.
  • No hidden fees.
  • Flexible. Convenient. Verified.
  • Once the borrower can view offers, they can reach out to different lenders with loan request.
  • The borrower can track the information and status of each request through the dashboard.
  • Simultaneously choose multiple offers that meet their requirements.

The Lender

  • Once the lender is registered, they can browse borrower listings and make loan offers to borrowers.
  • Lenders can propose the investment amount and interest rate at which they would like to lend to borrowers.
  • The loan requests from borrowers can be viewed by lenders on their dashboard.
  • Once a borrower accepts the loan amount upto their credit limit, their listing is closed.
  • PeerLend assists in executing a formal loan agreement between the lender and borrower.

Here's How PeerLend Works


  • Register
  • Undergo detailed onboarding process
  • Create loan listing, apply for a loan
  • Browse multiple lender listings
  • Accept the loan offering with the better rate
  • Repay through EMIs


  • Register
  • Verification process
  • Create a lending listing
  • Browse multiple borrower listings
  • Lend to creditworthy borrowers
  • Confirm loan & earn through monthly EMIs
  • Verify documents
  • Facilitate lender and borrower onboarding
  • Quick loan processing, create loan agreements
  • Monitor loans
  • Provide highly efficient dashboards for users to track payments and recepits
  • Provide highly efficient dashboards for users to track
Repayment Procedure
Get Funded
Start Repayment Through Easy EMIs

What PeerLend Gives You

Borrowers Score a Fair Deal
  • Low interest rates
  • Fast application and approval process with shortest turnaround times
  • No hidden fees
  • Flexible. Convenient. Verified.
Lenders Earn Better Returns
  • Multiple credit worthy borrowers to choose from
  • Diversify lending portfolio
  • Secured profitability with risk management
  • Timely EMI repayments
Hassle-free Process
Transactions are made based on mutual agreement between the borrower and the lender. The borrowers go through an onboarding process that mandates qualification against our credit criteria. The interest rates provided on the PeerLend platform guarantee to deliver happiness to both parties.
Classified and Secure
PeerLend ensures that all the borrowers and lenders are verified and their personal and financial data is well protected under strict guidelines of privacy. PeerLend will never sell or in any way distribute their information to any third party.
Clarity in Specifications
With PeerLend, your rates for a loan will never go up, the application process is simple and fast, and your entire journey of borrowing or lending is clearly mapped out way before you make any decision, assuring you a smarter way to transact.
A Supportive Space
At its most basic level, peer to peer lending actually isn't much different than just lending money to a friend without the obligation and risk that comes-in with informal lending practices. At PeerLend you shall become a part of a community of individuals ready to grow, save, and sustain by getting better rates and earning better returns.