Your brand. Your customers. Your capital.
Our NBFC, our tech, our compliance.

Satsai Finlease Private Limited — an RBI-registered NBFC (Registration B-14.01646). Satsai is the lender of record on every Key Fact Statement, loan agreement and credit bureau entry. Your brand sits on the app; our NBFC sits on the balance sheet.

You don't lend directly — a non-RE cannot. Instead, you deploy capital into Satsai either by subscribing Satsai's NCDs (Non-Convertible Debentures) or by extending a term debt / inter-corporate deposit facility. Satsai ring-fences that capital for your book, originates loans against it using our tech, collects EMIs into a ring-fenced account, and pays you back a contractual coupon plus a negotiated profit share from the residual yield.

Only if you are yourself an NBFC / Bank / HFC (our Track 3). RBI's Co-Lending Arrangements (CLA) Directions, 2025 — effective 1 January 2026 — is strictly RE-to-RE. For Private Limited companies that are not Regulated Entities, this is a Digital Lending Partnership under the RBI (Digital Lending) Directions, 2025 dated 8 May 2025 — structurally different, fully compliant, and does not require partner registration with RBI.

Yes. Since the RBI (Digital Lending) Directions, 2025, every Digital Lending App under which loans are originated must be registered on RBI's CIMS portal. We handle the registration as part of your go-live; your DLA is listed under Satsai Finlease as the Regulated Entity, with your LSP entity named alongside. Operating an unregistered DLA is a hard regulatory breach.

From 1 November 2025, any multi-lender DLA is bound by the Multi-Lender Platform chapter of the 2025 Directions: neutral, consented offer-matching, a board-approved methodology, and a Key Fact Statement link for every offer. We help draft this and execute a Multi-Lender Platform Addendum if your DLA falls in scope.

Upside: a fixed NCD coupon / debt interest (contractual) plus a variable profit-share on the residual portfolio yield after costs. Risk: you bear first-loss via FLDG capped at 5% of outstanding (RBI-regulated). Beyond that cap, write-offs sit with Satsai. You also carry credit exposure on Satsai itself as an NCD holder — pari-passu with our other senior creditors unless specifically secured.

Fluxusforge — our LSP operating layer — runs all of it end-to-end: BRE, KYC, KFS generation, disbursal orchestration, payment links, eNACH, DPD tracking, telephony, field collections, legal. Your ops team does not need to build any of this. You can layer stricter rules on top of Satsai's credit policy, but you cannot loosen them.

Brand-wise, yes — your app, your logos, your UX. Two mandatory disclosures per RBI: Satsai Finlease Private Limited must be named as lender on the KFS and loan agreement; and the LSP role (your entity + Fluxusforge as tech provider) must be disclosed on the DLA. Everything else is negotiable.

T1 Sourcing: 28–42 working days. T2 Capital: 45–75 working days (NCD listing adds time). T3 Co-Lending and T4 Portfolio: 60–120 working days (RBI intimation, pool prep, inter-RE agreements). Anyone promising faster is either skipping compliance or misrepresenting the process.

Drawdown utilisation is tracked live; you get alerts at 80% and an automated pause at 100% — no new originations until you top up the facility. Existing loans continue to service; borrowers are unaffected.

Exit clause runs the book into run-off: no new disbursals, Fluxusforge services existing loans to maturity, FLDG releases per an agreed schedule as loans close, and your capital is repaid per the NCD / debt terms. Borrower experience is fully insulated from your exit.

No. Disbursals move from Satsai's account directly to the borrower's bank account. Repayments move directly from the borrower's bank account back to Satsai's account. The RBI (Digital Lending) Directions, 2025 prohibit LSP-intermediated fund flow except narrowly for delinquent-recovery scenarios — and LSP fees are paid by Satsai, not deducted from the borrower. This is a firm, non-negotiable line.

One working day — reduced from three under the 2025 Directions. Every partner DLA must implement a compliant cancellation flow that reverses the disbursal and any processing fee end-to-end.

Rules were notified on 13 November 2025 with phased effectivity. Consent Manager obligations are live from November 2026; DPIA, annual audit and significant-risk-mitigation obligations for Significant Data Fiduciaries are live from May 2027. Satsai is a prospective SDF. Partner DLAs plug into our DPIA programme and carry an SDF-readiness annex in the Data Processing Agreement.

First-level: your Grievance Redressal Officer (name + email + phone published on the DLA). If unresolved in 15 days, auto-escalation to Satsai's Nodal Officer. Final escalation: RBI Integrated Ombudsman (cms.rbi.org.in). All three must be visible on the DLA.

Related-party disclosure is mandatory at onboarding. The Risk Committee determines whether the arrangement can proceed and on what additional arm's-length controls. Undisclosed overlaps are cause for pre-notice termination.