Our Mission

LENDINGKART Group aims to make working capital finance available at the fingertips of entrepreneurs,

so that they can focus on business instead of worrying about the gaps in their cash-flows.


Our Company

LENDINGKART Technologies Private Limited is a fin-tech startup in the working capital space. The Company has developed technology tools based on big data analysis which facilitates lenders to evaluate borrower’s credit worthiness and provides other related services.

LENDINGKART Finance Limited (formerly Aadri Infin Limited), is a non-deposit taking NBFC, providing SME lending in India. The Company aims to transform small business lending by making it convenient for SMEs to access credit easily. The Company uses technology and analytics tools, analyzing thousands of data points from various data sources to assess the creditworthiness of small businesses rapidly and accurately.

LENDINGKART Finance Limited, unlike banks and other NBFCs,do not focus on vendor’s old records (Past Financial Statements & Income Tax returns) to evaluate the credit risk profile of a potential client. The NBFC focuses on the client’s current year’s cash flows and business growth. The objective is to make capital funds available at finger tips so that entrepreneurs can focus on business instead of worrying about gaps in their cash-flows.

We are currently based in Ahmedabad, Bangalore and Mumbai but we serve across India.


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Online Process

The application process is 100% online – takes just 15 minutes

Requires Few Documents

For e-commerce vendors we only take bank statements.

Collateral Free

Does not require any Collateral or Net Worth details

Get Instant Loan

Receive your loan within 3 days and use it to grow your business

Our Management


Harshvardhan Lunia

Co-Founder and CEO

“I create, I learn, I grow, I am an entrepreneur“

Harshvardhan drives the primary aspect of business – designing innovative credit solutions and delivering them in the most simple and efficient manner to SMB’s. He started his career with large private sector and multinational banks in their small loan divisions. Early in his career he was intrigued by passion of small business owners who inspite of being credit worthy were not served by existing lenders. Credit decisions in banks take months. His vision is to implement Big data credit scoring with analytics and artificial intelligence. He is a Chartered Accountant and pursued his Post Graduation from ISB (Indian School of Business, Hyderabad). In his free time, he loves walking and exploring the world with his wife.


Mukul Sachan

Co-Founder and COO

“Each data can be analysed at least in two domains minimum. Map the data to the domain you understand it best.“

Mukul brings to the table his expertise of detailed data analysis, be it complex financial statements or ‘seemingly simple’ bank statements. Mukul has an uncanny ability to identify patterns in unstructured data, identify relationships between two unrelated items – both at intuitive and technical level, which are of immense use in designing the Credit Scoring Model at LENDINGKART. He derives the skills from his prior experience of working as a Scientist at ISRO. After his B.E. in E&C, he pursued his MBA from IIM-Bangalore and had the experience of working with top management on Strategy, BD and Finance. As Director of Portfolio Management in a reputed firm from Bangkok, he managed the portfolio of properties in Bangkok and New Zealand. Mukul handles the function of designing the Decision System and the Operations at LENDINGKART. In his free time, Mukul racks his brain on technical analysis and astrology.