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How P2P Lending Works

A secure, transparent process connecting lenders with verified borrowers

1

Onboarding

Lender

Want to earn returns

  • Sign up & verify
  • Build a portfolio of borrowers
  • Monthly passive income

Borrower

Needs funds

  • Apply online
  • Choose an offer
  • Loan approved
2

Credit Underwriting(For Borrowers)

250+ Data Points

Analysis

Identity Check

Verification

Credit Score

Assessment

Approval

Risk Rating

3

Fund Disbursement

Lender

1 Finance P2P Lender Escrow Account

Borrower

Funds flow: Lender → Lender Escrow → Borrower

4

Repayment

Borrower

1 Finance P2P Borrower Escrow Account

Lender

Repayment: Borrower → Borrower Escrow → Lender (Principal + Interest)

100% Secure & Regulated

All funds flow through RBI-regulated escrow accounts

Choose how you want to get started

Pick what you’re here for, we’ll guide you through the rest.