# GLAAS

> GLAAS is an embedded credit platform used by some of India's leading digital platforms and lenders. Marketplaces, payment apps, business software and supply-chain platforms use it to offer working capital to the sellers, merchants and other small businesses (MSMEs) they serve, inside their own product. Banks and NBFCs use it to lend to those same businesses.

GLAAS stands for Gromor Lending as a Service. It is a platform operated by Gromor Finance Private Limited, a non-banking financial company (NBFC) registered with the Reserve Bank of India. Gromor Finance is the regulated lender behind GLAAS. Banks and NBFCs also lend through GLAAS as lending partners. The digital platforms themselves don't lend.

Through GLAAS, platforms can offer working capital loans, credit lines, term loans, buy now pay later, revenue-based financing, dealer financing and invoice discounting, across 25+ loan products and structures. ₹1,500 Cr+ has been disbursed through GLAAS, across 110,000 loans to 13,000+ MSME borrowers.

GLAAS works from offices in Mumbai and Indore, India. Contact: contact@glaas.co

## Main pages

- [Home](https://glaas.co/): Overview of GLAAS for digital platforms, and for banks and NBFCs.
- [About GLAAS](https://glaas.co/about): What GLAAS is, the company that operates it, the leadership team and common questions.
- [For platforms](https://glaas.co/platforms): How marketplaces, payment companies, business software and supply-chain platforms add credit for their merchants.
- [Credit products](https://glaas.co/credit-products): The types of credit, repayment options, drawdowns and payouts platforms can offer through GLAAS.
- [Co-lending](https://glaas.co/co-lending): How banks and NBFCs co-lend to MSMEs on digital platforms through GLAAS.
- [Team](https://glaas.co/team): The people who lead GLAAS.
- [Contact](https://glaas.co/contact): Book a demo or get in touch.

## Articles

- [Can a B2B Marketplace Offer Loans to Its Sellers Without an NBFC Licence?](https://glaas.co/blog/nbfc-partner-for-embedded-finance)
- [Who Is the Lender When a Platform Offers Credit to Its Sellers?](https://glaas.co/blog/who-lends-when-platform-offers-credit)
- [How Does an Embedded Lending API Work for a B2B Platform in India?](https://glaas.co/blog/embedded-lending-api-for-platforms)
- [What Is Embedded Credit Infrastructure, and How Is It Different From a Lending API?](https://glaas.co/blog/embedded-credit-infrastructure-vs-lending-api)
- [Should Your Platform Build Lending In-house or Bring in a Partner?](https://glaas.co/blog/build-vs-partner-embedded-lending-platforms)
- [How Long Does It Actually Take to Add Credit to Your Platform?](https://glaas.co/blog/how-long-it-take-to-add-credit-to-platform)
- [Who Bears Credit Risk in Embedded Lending Partnerships in India?](https://glaas.co/blog/credit-risk-embedded-lending-partnerships)

## Optional

- [From Branches to Bytes: Why My Next Move Is Embedded Credit Infrastructure](https://glaas.co/blog/from-branches-to-bytes-embedded-credit-infrastructure)
- [The Great Banking Meltdown: The Erosion of 'Retail' vs 'Corporate'](https://glaas.co/blog/retail-vs-corporate-banking)
- [4 Things that Change When the Credit Categories Collapse](https://glaas.co/blog/things-that-change-when-credit-categories-collapse)
- [Re-engineering For The World Where 'Context' Trumps 'Identity'](https://glaas.co/blog/re-engineering-for-the-world-where-context-trumps-identity)
- [Privacy Policy](https://glaas.co/privacy)
- [Terms of Service](https://glaas.co/terms)