Embedded credit,
where MSMEs already operate.
For digital platforms that want to offer credit natively.
For banks and lenders that want to reach MSME ecosystems they can't access on their own.
Trusted by India's leading digital platforms & lenders
Millions of MSMEs need credit.
Platforms can't offer it. Lenders can't reach them.
Your merchants leave your ecosystem to find credit.
Your merchants need working capital. But you don't have a credit product, so you send them to a bank or an NBFC. They find credit elsewhere, and gradually they find everything else there too.
The borrowers you want are on platforms you can't access.
You want to grow your MSME book. But sourcing good borrowers is expensive, underwriting them is slow, and reaching them through branches doesn't scale. The MSMEs you want are already transacting on digital platforms. You just can't get to them.
Most platforms give you tech. Most NBFCs give you capital. Glaas gives you both, plus the integrations to deploy them.
Glaas
Platform Integrations
For digital platforms, Glaas plugs into your existing ecosystem and delivers a live credit product without you building anything. For lenders, those same integrations give you direct access to MSME borrowers already transacting on platforms you couldn't reach before.
Proprietary Lending Technology
An end-to-end lending stack built in-house. Automated underwriting, configurable credit rule engine, real-time portfolio monitoring and full loan lifecycle management. No stitching together third-party tools.
In-House NBFC
Glaas operates its own licensed NBFC, Gromor Finance. Balance sheet capability, regulatory compliance and the ability to co-lend, all under one roof. No waiting on external approvals to go live. Meet the team →
Together, these three capabilities let you go from integration to live credit product in days, not quarters.
The full lending stack.
Nothing left for you to figure out.
Built for digital platforms embedding credit natively.
Integrate & Configure
API/SDK, sandbox environment, white-label or native UX options, customisable credit products and underwriting policy tailored to your platform's merchant profile.
Underwrite & Disburse
Automated credit rule engine, real-time alternate data from your platform, risk-based pricing, and disbursement within hours of approval.
Monitor & Collect
Real-time dashboard, early warning systems for portfolio risk, automated collections, and a feedback engine that improves underwriting over time.
One infrastructure. Two ways to use it.
For Digital Platforms & Ecosystems
Your merchants need working capital to grow. Now you can offer it directly, inside your platform, under your brand. No credit expertise required on your end.
- Embed loan products natively into your existing merchant workflows.
- Underwriting powered by your own platform data, not generic bureau scores.
- White-label or co-branded UX, your choice.
- Go live in days, not quarters.
For Banks, NBFCs & Financial Institutions
The MSME borrowers you want are already transacting on digital platforms. Glaas gives you direct access to that demand, with the underwriting infrastructure and compliance stack already in place.
- Co-lend across 10+ live digital platforms without building new integrations.
- Risk-first underwriting models built on real-time platform transaction data.
- Full loan lifecycle management, from disbursement to collections.
- Regulatory compliance handled end to end.
Infrastructure that's already at work.
99.82% of API responses under 5 seconds. Built to scale without breaking.
Built for every kind of digital platform.
If MSMEs transact on your platform, you already have what it takes to offer them credit.
Commerce-led Platforms
Marketplaces where merchants sell goods and manage orders daily. Your transaction history is the most powerful underwriting signal available. Use it.
Software-led Platforms
Accounting and business management tools that sit at the heart of how MSMEs operate. You already see their financials. Credit is the natural next step.
Payment-led Platforms
Gateways and wallets that process merchant cashflows in real time. Embedding credit closes the loop between payments and working capital.
Anchor-led Platforms
Supply chain platforms connecting buyers and suppliers at scale. Credit keeps procurement moving and strengthens every relationship in the chain.
Trusted by leading platforms and lending partners across India
Hear from the platforms and lenders using it.
"Glaas API suite helps us provide credit line products to our customers directly from the Razorpay dashboard. Onboarding is simple and completely online. We are really happy with Glaas APIs that help improve offerings for our customers."
"Glaas platform helped us launch our offering quickly into the market by abstracting complexities of financial services infrastructure, supporting our revenue-based financing products and providing capital. Their understanding of the lending world helped us immensely in our journey."
"Open offers a comprehensive business banking solution for small businesses & startups. Credit comprises a critical part of it. By integrating Glaas APIs we are able to embed & offer multiple financial products like Line of Credit & BNPL to our customers seamlessly."
Got questions?
No. Glaas operates through Gromor Finance, a licensed NBFC. You don't need a licence, a balance sheet, or any regulatory setup on your end. That's entirely our responsibility.
For a co-branded no-code journey, under 2 days. For a fully native embedded integration, under 2 weeks. You get a dedicated sandbox to test everything before anything goes live.
Yes, and that's the point. Glaas's credit rule engine is built to incorporate your platform data directly into the underwriting model. Your data makes credit decisions sharper and more relevant for your merchants.
Working capital loans, lines of credit and term loans. Products are configurable based on your merchant profile and the specific use case you're building for.
Not much. Glaas manages collections, compliance, ledger management and loan servicing. You get real-time visibility through the dashboard without carrying the operational load.
Glaas sources MSME borrowers through its network of live digital platforms, underwrites them using real-time platform data, and assigns loans to co-lending partners based on agreed parameters. You deploy capital; Glaas handles everything else.
Underwriting is built on real-time transaction data from the platform the borrower operates on, not just bureau scores. Risk-based pricing, automated BREs and early warning systems run continuously across the portfolio. FLDG arrangements are available for additional risk coverage.
Through Glaas's existing integrations with 10+ live digital platforms. You don't need to build sourcing relationships or new integrations. The pipeline is already live.
Glaas manages the full post-disbursement lifecycle: repayment tracking, collections, portfolio monitoring and reporting. You get a real-time dashboard with complete visibility into your book.
Standard co-lending agreement and documentation. Glaas handles platform-level compliance, KYC workflows and regulatory reporting on the lending side.
Put credit where your merchants already operate.
No licence, no balance sheet, no credit expertise required. Just your platform data and your merchants. Glaas handles the rest.
Book a Demo →Scale your MSME book without building new sourcing.
10+ live platforms. Borrowers already transacting on them. The pipeline exists. You deploy capital, Glaas manages everything else.
Talk to Us →