Millions of MSMEs in India face a common barrier; limited access to credit. Many are credit invisible, have limited credit history, or lack formal documentation, holding back their growth and potential.
MyShubhLife bridges this gap by offering credit directly via the merchant platforms MSMEs already use. Our developer-friendly APIs enable end-to-end lending journeys that launch quickly and securely, right inside the merchant app. With our in-house LOS and LMS powering the backend, the experience stays smooth, fully digital, and uninterrupted.
With a flexible embedded finance model, platforms strengthen engagement, merchants access credit on time, and growth becomes part of everyday business.
MyShubhLife: Trusted Embedded Finance Partner Empowering India’s MSMEs
MyShubhLife is a trusted embedded finance partner to leading merchant platforms across India. While there are over 68 million MSMEs driving India’s $1 trillion digital economy and contributing over 30% to GDP, MyShubhLife has empowered over 15 million merchants to access fast, flexible credit within the apps and platforms they already trust.
Today’s merchants don’t just want loans; they expect quick approvals, instant access, transparent terms, and seamless service, all without leaving their trusted ecosystems. MyShubhLife enables merchant platforms to embed collateral-free lending that feels effortless to users.
By partnering with key players, MyShubhLife is expanding credit access to underserved retailers and small businesses across India, driving financial inclusion and economic growth.
Contextual Credit Built Around MSMEs
MyShubhLife builds credit products that fit naturally into a merchant’s daily flow. No jargon. No friction. Just fast, contextual credit designed around real business needs.
What We Offer
- Revolving Line of Credit (RLOC) – Take funds when needed, repay when comfortable. Full flexibility, zero downtime.
- EWI (Equated Weekly Installments) – Weekly repayment aligned with predictable earning cycles.
- EDI (Equated Daily Installments) – Daily repayment that keeps cash flow steady and operations smooth.
- Term Loan – A simple, structured option that supports long-term business needs and consistent engagement.
Where It Lives
Our credit experiences sit inside familiar digital ecosystems used every day—merchant apps, payment apps, marketplaces, and service platforms. Credit becomes part of the workflow, not an extra chore.
MyShubhLife turns access-to-credit into an everyday possibility, helping merchants stay liquid, stay active, and stay ahead.
India’s Leading Embedded Finance Infrastructure for MSME Credit
MyShubhLife builds the credit backbone for India’s merchant economy. We help platforms deliver reliable and responsible credit at scale. Our strength lies in stable systems, accurate risk models, and seamless integrations. Embedded credit is now central to how MSMEs run their businesses. We set the benchmark for transparent, data-driven credit access. Our solutions drive real business growth and true financial inclusion.