Co-lending Setup - NBFC Buy Sell

Co-Lending Setup
for NBFCs

Empowering NBFCs with bank partnerships, shared risk, and enhanced lending capacity.

What is Co-Lending?

Co-lending is a collaborative financing model introduced by the Reserve Bank of India (RBI) where Banks and Non-Banking Financial Companies (NBFCs) jointly lend to borrowers. This model combines the reach and agility of NBFCs with the financial strength and lower cost of funds of Banks, ensuring wider credit access, especially to priority sectors and underserved markets.

Why Co-Lending Matters

Increased Lending Capacity: NBFCs gain access to low-cost bank funds, enabling higher loan disbursements.
Shared Risk & Compliance: The risk is distributed between the NBFC and the partner bank, ensuring sustainable lending practices.
Customer-Centric Approach: Faster loan processing and last-mile delivery through NBFCs, backed by the credibility of banks.
Regulatory Backing: Co-lending guidelines issued by RBI ensure transparency, standardization, and long-term viability of this model.

Access to Cheaper Capital

Reduced dependency on expensive borrowings.

Business Expansion

Ability to penetrate rural and semi-urban markets effectively..

Operational Leverage

Improved loan book quality through joint underwriting and monitoring.

Revenue Growth

Enhanced margins with shared lending arrangements.

Benefits for NBFCs

You Need to Know Why You Should Choose Us

Expertise in NBFC advisory and digital lending models.
Strong network of banking and financial institutions.
Compliance-first approach ensuring RBI alignment.
End-to-end support—from strategy to execution.

At NBFC Buy Sell, we help NBFCs:

Identify and connect with potential bank partners for co-lending.
Structure compliant co-lending agreements aligned with RBI guidelines.
Set up digital loan origination and monitoring systems to ensure smooth execution.
Provide advisory and handholding support to maximize benefits from co-lending opportunities.