Co-lend to MSMEs on digital platforms across India, through one partner.
Reaching MSMEs on digital platforms usually means a separate tie-up and integration with each one. With GLAAS, it's one co-lending relationship. You fund your agreed share of each loan, and we source and underwrite the borrowers, then service every loan through to repayment.
What is co-lending with GLAAS?
Co-lending is when two regulated lenders fund the same loan and share its risk and return. With GLAAS, banks, NBFCs and financial institutions can co-lend to MSMEs on 10+ digital platforms. GLAAS sources and underwrites the borrowers, and loans that meet the credit criteria agreed with you come into your book. It also handles KYC, and services each loan through to collections. GLAAS operates through its own NBFC, Gromor Finance, registered with the Reserve Bank of India.
Some of the platforms where GLAAS is live
GLAASWhy co-lend through GLAAS
No collections team to build
We handle servicing and collections for every loan in your book.
One relationship, many platforms
You reach MSMEs on 10+ live digital platforms through our existing integrations, with no sourcing tie-ups to build.
Decisions on what the business does now
Borrowers are underwritten on their sales, orders, payouts and invoices on the platform, alongside bureau data.
A live view of your book
A real-time dashboard shows every loan in your book, with overdue accounts flagged.
How co-lending with GLAAS works
Underwrites borrowers, then services each loan
Source
MSME borrowers come from the digital platforms we're live on.
Underwrite
We underwrite each borrower on their platform data and bureau checks. Pricing is set by risk.
Disburse
Loans that meet the credit criteria agreed with you come into your book, disbursed within hours of approval.
Service & collect
We run repayment tracking and collections. You see every loan on your dashboard.
On your side: your agreed share of each loan, and a standard co-lending agreement and documentation.
What you'll want to know before you co-lend
Who is the regulated lender behind GLAAS?
Gromor Finance, our own NBFC, registered with the Reserve Bank of India. On your side, it's a standard co-lending agreement and documentation.
Which loans come into my book?
Loans that meet the credit criteria agreed with you upfront. Every borrower is underwritten before a loan reaches you.
Is there first-loss cover?
Default loss guarantee (DLG, often called FLDG) arrangements are available for additional risk cover.
Who follows up when a borrower falls behind?
We run repayment tracking and collections, and early warning systems watch the whole portfolio.
How will I track my loans?
On a real-time dashboard with complete visibility into your book, from disbursements to overdue accounts.
What kinds of loans will I fund?
Working capital loans, lines of credit and term loans, across 25+ loan products and structures.
How credit risk is managed in co-lending
Live data, not just bureau scores
Each decision uses what the business is doing on its platform now, alongside bureau data. Automated credit rules set eligibility and limits, and pricing follows risk.
Early warnings
Early warning systems run continuously across the portfolio, so stress gets flagged while there's still time to act.
Repayments that match how the business earns
- Daily
- Seasonal
- Invoice-linked
Every repayment cycle feeds back into the credit model, so risk is priced more accurately over time.
Where your MSME borrowers come from
Marketplaces
Sellers, underwritten on their sales and order history.
Business software
Businesses, underwritten on their invoices and receivables.
Payment companies
Merchants, underwritten on the payments they collect and their payout history.
Supply chains
Suppliers and dealers, underwritten on their invoices and trade history with the anchor business.
Scale your MSME book without building new sourcing.
Tell us what kind of MSME lending you want more of. We'll show you how co-lending with GLAAS would work for you.
GLAAS operates through Gromor Finance, an NBFC registered with the Reserve Bank of India.