Co-Lending Model (CLM)
Expanding Credit Access With Joint Lending Between Financial Institutions
Expand Credit Access
Bring affordable credit to underserved sectors like small businesses and agriculture.
Share Risk, Strengthen Portfolios
Distribute credit risk between banks and NBFCs for healthier loan books.
Lower Cost, Better Value
Leverage cheaper bank funds and NBFC reach to offer competitive borrower rates.
Types of Co-lending Models
Different approaches to co-lending partnerships
CLM 1
Joint Origination
Financial institutions collaborate to originate loans together, combining their strengths in credit appraisal, due diligence, and disbursement.
CLM 2, DA & PTC
Securitization
Loan portfolios are bundled and sold to investors, enabling financial institutions to unlock capital, manage risk, and improve liquidity.