Personal Loans SDK
Embedded personal lending, launched on your platform in days.
The intelligent lending infrastructure for partners and lenders. One SDK carries a borrower from mobile number to disbursal — inside your own branded flow, against a whole panel of regulated lenders.
From 10%Interest rate p.a.
3–60 moTenure, borrower's choice
₹50k–₹25LLoan amount
In minutesQuick approval
One SDKThe full lending stack
Trust network
The embedded-finance layer India's fintechs already trust.
One integration puts a lending product in front of millions — through the same distribution network already live on Blostem, and a regulated lending & custody stack behind it.
Issuer network 10+ Live
Distribution partners 30+ Live
₹500 Cr+
monthly bookings
10+
issuers live
30+
distribution partners
99.95%
platform uptime
The marketplace
One application. All lenders. Nobody leaves empty handed.
Blostem is the LSP layer between your users and a panel of regulated lenders. One consented application is scored against every lender's own policy at once — so borrowers only see who will fund them.
70–90%
Approval coverage
Across a multi-lender panel, against 40–60% on any single lender — the same top of funnel, three in ten more borrowers funded.
<10 sec
To a ranked offer set
From consent to real, policy-matched offers, inside your own app. No callback queue, no "we'll get back to you".
1 SDK
No lending licence
No lender-by-lender build, no loan on your books, and no credit policy of your own to run.
Without a panel
One lender says no → the borrower is gone, and your brand wears the rejection.
With Blostem
One lender says no → the next one funds them, same session, no second application.
A “no” from one lender is not a “no” from the market. Blostem turns your biggest source of drop-off into your second-largest source of disbursals.
The Blostem advantage
Intelligent. Neutral. Compliant. Connected.
Five things that hold true whichever side of the marketplace you sit on — and the reason a lending proposition can go live in days rather than quarters.
Intelligent decisioning
Evaluate every lender independently, on that lender's own criteria — never a blended score.
Neutral marketplace
Match borrowers with the lender most likely to approve them — never the highest payer.
Fast, easy integration
One lightweight SDK connects you to a growing lending ecosystem — SSO in, disbursal status back.
Built to scale
Onboard partners and lenders with configurable dashboards and rule engines.
Compliance by design
Consent-first architecture, secure data sharing and complete auditability, end to end.
One integration, both sides of the marketplace, and no lending licence of your own required.
Product walkthrough
The core journey, end to end.
Your app hands the user in over SSO — already signed in, contact details prefilled. Identity and KYC first, consent before any bureau pull, then real offers from every lender that can fund them. Ten screens, one sitting, never leaving your app.
Discover
Identity & KYC
Profile & income
Consent & offers
01 · Compare offers
The offer shelf, before the form
The entry screen leads with what the borrower came for — how much, from whom, at what rate. One consent-led check replaces applying to lenders one at a time.
- Best available rate and limit surfaced up front
- Soft credit check, stated before the tap
- EMI calculator, so the ask is shaped before the application
01 / 10
Screens captured from the live build · sample data · lender names, rates and eligibility criteria shown are illustrative
Division of labour
You own the customer. We run the lending stack.
Nothing about the borrower relationship leaves your app, and nothing about credit policy lands on your desk. Here is exactly where the line sits.
Your side
The platform
- Your brand, your colours, your entry point
- SSO handoff with contact details prefilled
- Where and when the offer surfaces in your app
- Loan status and repayment views back in your product
Our side
The Blostem SDK
- Identity, PAN and KYC in one sitting, in-app
- Consent capture before any bureau pull
- Per-lender eligibility, ranked offers, KFS and handoff
- Configurable dashboards, rule engines and audit trail
Lender side
The regulated partner
- Their own credit policy and gating criteria
- Underwriting, sanction and the final credit decision
- Rate, fees, disbursal to the borrower's bank account
- Servicing, repayment and the loan on their books
White-label · no redirectConsent-first architectureKey Fact Statement before acceptanceOnly the chosen lender receives dataComplete auditability
Questions
What partner teams ask first.
The eight that come up in almost every technical fit call — licensing, coverage, consent, and who decides what.
Let's build together
Lending, embedded in your product.
Book a 30-minute technical fit call — we will walk your team through the SDK handoff, the consent and decisioning flow, and a launch plan tailored to your stack.
White-label · multi-lenderwww.blostem.comNoida · Gurgaon · Delhi