Co-lending is a collaborative lending model where two financial institutions jointly provide financing to borrowers. This approach allows partners to share risks and resources, leading to more diversified lending portfolios and improved access to credit for borrowers.

Co-lending arrangements are often formed to leverage the strengths and resources of each lender, allowing them to reach a broader customer base, share credit risk, and comply with regulatory requirements. There are two co-lending models: CLM 1 and CLM 2, each with distinct disbursement and reimbursement mechanisms. Our co-lending solution can be enabled dynamically for banks and NBFCs depending on their nature of partnership with other institution.