4 FinTechs transforming Credit Access in India in 2025

By Gloria Mathias

The rise of FinTech startups is revolutionising the way individuals and businesses access credit in today’s fast-paced economy. By leveraging advanced technology, these companies are dismantling traditional barriers to lending, making credit more accessible to underserved demographics, small businesses, and first-time borrowers. With innovative credit assessment tools and user-friendly digital platforms, they are ensuring faster, more inclusive financial solutions.

Here are 4 FinTech startups leading the way in reshaping credit accessibility:

• NeoFinity

NeoFinity is pioneering financial inclusion by utilising AI-driven underwriting and alternative credit scoring models to reach underserved populations. Its digital-first approach simplifies the borrowing process, catering to first-time borrowers and small enterprises. With real-time risk assessment and seamless loan disbursement, NeoFinity is bridging the credit gap for those traditionally excluded from financial services.

• KreditEasy

KreditEasy specialises in providing quick and hassle-free business loans tailored for small enterprises. By minimising documentation requirements and employing AI-powered credit analysis, it ensures fair lending practices and swift approvals. Its platform integrates with financial marketplaces, enabling small business owners to access funds efficiently and scale their operations without bureaucratic delays.

• ZestMoney

A leader in digital lending, ZestMoney offers instant EMI-based financing for online purchases, catering to customers without a traditional credit history. By leveraging AI and machine learning, it assesses creditworthiness beyond conventional credit scores, making consumer financing more accessible. Its partnerships with major e-commerce platforms have expanded opportunities for millions to access credit seamlessly.

• Indifi Technologies

Indifi is transforming SME financing by offering working capital loans across diverse sectors. Utilising alternative data sources such as cash flow patterns and transactional history, Indifi enhances credit assessments, ensuring that small businesses receive timely financial support. Its data-driven lending model fosters financial inclusion by providing growth capital for companies that may struggle with traditional banking requirements.