FlexiLoans is an Indian digital lending platform and the trade name of Epimoney Private Limited, a Non-Banking Financial Company (NBFC) registered wit... See Flexiloans open jobs and get referred by a verified employee on RefOpen.
FlexiLoans is an Indian digital lending platform and the trade name of Epimoney Private Limited, a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. Founded in 2016 and headquartered in Mumbai, the company was established to close the working-capital gap faced by India's micro, small and medium enterprises (MSMEs), a segment that has historically been underserved by traditional banks because of limited collateral, thin credit files and lengthy approval processes. FlexiLoans set out to make business credit fast, collateral-free and accessible to small merchants, traders, retailers, service providers and manufacturers across the country.
The company offers a range of unsecured credit products designed around the cash-flow realities of small businesses. Its core offerings include term loans, vendor financing, line-of-credit facilities and loans built specifically for sellers on e-commerce marketplaces. Rather than relying solely on conventional credit-bureau scores, FlexiLoans uses a technology-led, data-driven underwriting model that draws on alternative data signals such as bank-statement analysis, GST filings, transaction history and platform performance. This allows it to assess creditworthiness for borrowers who may lack a long formal credit history, and to disburse funds quickly with minimal documentation.
A defining feature of FlexiLoans is its emphasis on speed and digital convenience: applications are completed online, decisions are largely automated, and approved funds can be disbursed rapidly without the borrower having to pledge physical collateral. The company has built a sizeable partner ecosystem, working with banks, NBFCs and digital platforms to extend its distribution reach. Over time it has served customers across thousands of cities and towns in India and disbursed several thousand crore rupees in loans, positioning itself among the more prominent fintech lenders focused on the MSME segment.
As an RBI-registered NBFC, FlexiLoans operates under the regulatory framework governing non-bank lenders in India, including norms on fair practices, grievance redressal and transparent disclosure of charges. The company highlights borrower protection in its communications, cautioning customers against phishing and fraud and committing not to charge money to accelerate or reduce loan processing. Its corporate office is located in Lower Parel, Mumbai, with a registered office in Chennai, Tamil Nadu.
FlexiLoans has received recognition within the Indian startup and financial-services community, including awards related to digital lending and workplace culture. For technology and engineering professionals, the company represents the broader Indian fintech wave: building scalable lending infrastructure, risk and underwriting models, payments integrations and customer-facing digital products in a heavily regulated environment. Roles typically span software engineering, data science and analytics, product management, risk and credit, operations and collections. As a verified employer on RefOpen, FlexiLoans employees can refer candidates into the organisation, giving job seekers a more direct route into a fast-growing fintech lender that sits at the intersection of financial inclusion, technology and small-business growth in India.
Flexiloans operates in financial services, is headquartered in Mumbai, Maharashtra, India, employs around 501-1,000 people. 1 Flexiloans role has been posted on RefOpen in the last 30 days.
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