# Indifi

**Canonical:** https://apis.io/providers/indifi/  
**Website:** https://www.indifi.com  
**APIs profiled:** 0

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.

## Kin Score — 16.4 / 100 (emerging)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 16.4).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Indifi Domain Security** — TLSv1.2 · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/indifi/). Scores are computed from the provider's own public artifacts under a published rubric.