Guarantee business, pre-underwritten.
BharatFinancial delivers verified, consent-rich contractor leads — GST, bank statements, financials and bureau already fetched and analysed. Quote in minutes. Issue in days. Pay only on success.
Why partners join
Zero origination cost
Pay a success fee only on issuance — 0.10–0.25% of issued guarantee value. No listing fee, no seat licences, no minimums.
Verified data, not photocopies
Every lead carries a consented digital file: GST returns, Account Aggregator statements, ITR/financials and bureau — fetched from source.
Pre-rated leads
BondScore plus an anonymized credit memo, filtered to your appetite — instruments, ticket sizes, geographies and minimum score.
Portfolio quality
Invocation ratio on platform-originated book: 0.3% vs ~1.1% industry baseline. Better data in; better book out.
How it works
From appetite to book — a single flow for trade finance desks and surety lines.
- 01
Set your appetite — instruments, ticket sizes, geographies, minimum BondScore.
- 02
Receive anonymized leads with BondScore and limited profile bands.
- 03
Make binding offers with your rate, margin and TAT — or pass with a reason.
- 04
On acceptance, receive the full KYC pack and issue the instrument.
- 05
Track your BharatFinancial book in one console.
Questions
How does pricing work for institutions?
Success fee only — 0.10–0.25% of issued guarantee value, payable on issuance. No listing fee, no seat licences, no minimums.
What do we see before a contractor accepts?
An anonymized profile: BondScore, category, state, turnover and net-worth bands, bureau band, and request details. Identity and full documents are released only after the contractor accepts your offer.
Where does the underwriting data come from?
With the contractor’s explicit consent: GST returns, Account Aggregator bank statements, ITR/financials and a soft bureau pull — fetched from source, not uploaded as photocopies.
Are offers binding?
Yes. Offers are binding for seven days unless you state otherwise. On acceptance you receive the full KYC pack and proceed to issue under your own credit decision.
Is BharatFinancial a bank or intermediary?
A technology platform only. Issuance decisions and instruments remain with your institution. We do not hold funds or issue guarantees.
Ready to origin guarantee business with better data?
Tell us your institution, instruments offered and monthly capacity.