NBFC-Partnerships-vs-Independent-Lending-How-FinTechs-Should-Really-Choose.pptx (1)
                     NBFC Partnerships vs 
Independent Lending: 
How FinTechs Should 
Really Choose
Before growth, before marketing, before funding, you must decide 
how you will lend. Not what product you will build, not who your 
customer is, but the structure through which money will actually 
flow.
What is an NBFC Role
NBFC The NBFC acts as the official lender, ensuring all regulatory 
collaboratio compliance.
nAn N?BFC collaboration is when a 
FinTech company partners with a FinTech Role
licensed NBFC to provide loans. The FinTech manages the 
platform, customer acquisition, 
loan approvals, and payment 
processing.
Benefit
This allows new FinTech startups 
to offer loans without needing 
their own NBFC license.
How an NBFC partnership works in 
practice
Apply Assess Disburse Repay Fees
The FinTech manages customer interactions, but the NBFC holds legal and regulatory ownership of the loan.
Why most FinTechs choose NBFC collaboration 
first
Speed
NBFC setup takes years; a partnership can be operational in 
weeks.
Capital efficiency
Avoids significant upfront capital required for independent 
lending.
Regulatory 
comfort
NBFC partners handle regulatory compliance, freeing FinTechs 
to focus on product.
The risks and limitations of NBFC 
partnerships
While nbfc partnership models offer speed and flexibility, they come with real constraints.
Limited control Thinner margins High Regulatory 
over credit from revenue dependency risk issues can spill 
policies. sharing. on NBFC over from NBFC.
partner.
What is an independent 
lending model?
Operating your own NBFC or acquiring 
one means holding the license, deploying Full Control
capital, and owning the loan book, taking 
Direct ownership of credit policies, 
full responsibility for credit and risk.
risk, and customer relationships.
It represents a long-term strategic 
commitment.
Better Economics
Retain full revenue, eliminating 
revenue-sharing with partners.
Higher Valuations
Increase company value by owning 
the loan book and licenses.
Which model fits which 
business?
Consumer Lending MSME Lenders Embedded Finance Financial 
Apps Start with NBFC Platforms RIneqsutiirteus tstiroonngs capital and 
Often begin with NBFC partnerships, then Primarily partner with compliance for early 
collaboration. transition to NBFCs to remain asset- adoption.
independence. light.
Final thoughts
Here is the reality most founders discover late. NBFC 
collaboration is not a shortcut, and independent Need expert 
lending is not a badge of credibility. Both are tools. guidance?
Get in touch with our consultants today.
An nbfc partnership helps you move fast and learn. 
Call NBFC Advisory: +91 93287 18979
Independent lending helps you scale and control 
outcomes. The smartest businesses design for both, Visit: www.nbfcadvisory.com
starting with one and preparing for the other.
Whether you partner with an NBFC today or plan NBFC 
partner registration later, success depends on choosing 
the right structure at the right stage. NBFC Advisory 
supports you end to end, from compliant NBFC 
collaboration and solid partnership agreements to 
smooth NBFC partner registration, so you can scale 
legally and confidently.
Thank You!
Thank you for exploring the critical choices in FinTech lending structures with us.