Indifi

Indifi Technologies Pvt. Ltd. is an Indian digital lending platform that provides collateral-free business loans to micro, small, and medium enterprises (MSMEs). Founded in Gurugram, Indifi originates and underwrites term loans, working-capital lines of credit, unsecured lines of credit, invoice discounting, and merchant cash advances (against POS transaction history), funding them through a network of 15+ RBI-regulated NBFCs and banks as well as its own NBFC, Indifi Capital Pvt. Ltd. (RBI Cert. No. B-14.03389). Loans range up to INR 50 lakhs with tenures up to 36 months and rates from 1.5% per month, assessed largely on business cash-flow, GST, and platform transaction data rather than traditional collateral. Indifi works through industry partnerships with e-commerce marketplaces and sector aggregators and through co-lending/DSA lending partners; it does not currently publish a public developer API or portal. Backed by Accel.

Indifi is profiled on the APIs.io network. Tagged areas include Company, Fintech, Lending, MSME, and SMB.

Indifi’s developer surface includes engineering blog, pricing, signup flow, support, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

16.4/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Fintech Lending MSME SMB Business Loans Digital Lending India Invoice Discounting Working Capital

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 16.4/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.4 / 20

Access Clarity 8.9 / 20

Operational Transparency 0.3 / 13

Contract Governance 0.0 / 12

Discoverability 5.7 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/indifi: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: indifi
name: Indifi
description: Indifi Technologies Pvt. Ltd. is an Indian digital lending platform that provides collateral-free business loans
  to micro, small, and medium enterprises (MSMEs). Founded in Gurugram, Indifi originates and underwrites term loans, working-capital
  lines of credit, unsecured lines of credit, invoice discounting, and merchant cash advances (against POS transaction history),
  funding them through a network of 15+ RBI-regulated NBFCs and banks as well as its own NBFC, Indifi Capital Pvt. Ltd. (RBI
  Cert. No. B-14.03389). Loans range up to INR 50 lakhs with tenures up to 36 months and rates from 1.5% per month, assessed
  largely on business cash-flow, GST, and platform transaction data rather than traditional collateral. Indifi works through
  industry partnerships with e-commerce marketplaces and sector aggregators and through co-lending/DSA lending partners; it
  does not currently publish a public developer API or portal. Backed by Accel.
url: https://raw.githubusercontent.com/api-evangelist/indifi/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://media.indifi.com/images/website/img/1920x1080/01.webp
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Lending
- MSME
- SMB
- Business Loans
- Digital Lending
- India
- Invoice Discounting
- Working Capital
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.indifi.com
- type: Blog
  url: https://www.indifi.com/blog
- type: Pricing
  url: https://www.indifi.com/business-loan/interest-rate
- type: SignUp
  url: https://app.indifi.com
- type: Support
  url: https://www.indifi.com/contact
- type: TermsOfService
  url: https://app.indifi.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.indifi.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/indifi
- type: LLMsTxt
  url: llms/indifi-llms.txt
- type: DomainSecurity
  url: security/indifi-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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