# The Future of Co-Lending is Here

India's most trusted co-lending middleware connecting **95+ financial institutions** with seamless API integration, real-time processing, and **$5B+ AUM** managed. Transform your lending partnerships today.

## Quantifying Our Success Story

Dive into the data that showcases the significant influence we have had in shaping the industry.

- **25L+** Borrowers Served
- **120%** YoY Growth
- **$5B+** AUM Managed
- **150+** Live Partnerships
- **100%** Implementation Success

### Sourcing

Source loans intelligently, optimizing risk and return. Identify, evaluate, and secure loans efficiently.

### Processing

Elevate loan processing with intelligent origination, seamless BRE/CAM integration, and rapid disbursement.

### Management

Streamline accounting, generate SOAs, manage product masters, track DPDs and monitor NPAs efficiently.

### Collection

Transform loan collection with virtual account management, secure escrow accounts, and optimized recovery.

### Loan Approval Rate Increased By

**82%**  
Achieve higher loan approval rates by leveraging the advanced capabilities of our middleware, including a robust business rule engine, API functionality, and co-lending's pre-defined risk framework.

| Traditional Process    | Knight Automated  |
| ---------------------- | ----------------- |
| ~25% Approval Rate     | **82%** Approval Rate |
| 7-10 Days to Process   | <2 Hours to Process  |
| Multiple system logins  | Single unified platform |
| Manual data reconciliation | Real-time sync & validation |
| High rejection rates    | Smart risk assessment |

### Product Agnostic

Support for 20+ loan products across all sectors and industries.

### Real-time Analytics

Live dashboards and comprehensive reporting for informed decisions.

### Enterprise Security

Bank-grade security with ISO 27001 certification.

### Scalable Architecture

Handle millions of transactions with 99.9% uptime.

### Seamless Experience

Intuitive interface for all stakeholders.

### Regulatory Compliant

Built-in compliance with RBI guidelines.

## Co-Lending Model 1

Bank and NBFC jointly originate loans at the point of origination itself. Both parties are involved from day one with pre-agreed terms.

- Joint origination
- Shared underwriting
- Pre-agreed risk policy
- Real-time disbursement

## Direct Assignment & Pool

NBFC originates loans independently and later assigns a portion to the bank. Flexible partnership model with portfolio transfer capabilities.

- Post-origination assignment
- Portfolio flexibility
- Bulk transfers
- Regulatory compliant

## Asset-Backed Securities

Convert loan portfolios into tradeable securities. Unlock capital and manage balance sheet efficiently through structured transactions.

- Capital optimization
- Risk distribution
- Liquidity management
- Structured products

### Banks

Expand reach, maximize returns.

#### Better Sourcing & Distribution

Leverage NBFC networks for wider reach.

#### Higher ROI

Improved returns through efficient partnerships.

#### Pre-agreed Risk Policy

Standardized risk framework across partners.

#### PSL Targets

Meet priority sector lending requirements.

#### Partner with 100s of NBFCs

Single platform for multiple partnerships.

#### Automated Reconciliation

Seamless collection and settlement.