Qbera offers credit products co-created with banks in a hybrid lending model, sharing some of the risk with the bank. They have an omni-channel borrower sourcing funnel, validated risk strategy and scorecards, paper-less delivery of loans, a proprietary Loan Management System (LMS), and data-driven early warning systems for collections. Banks and NBFCs can plug their balance sheet into Qbera to tap into new customer segments using Qbera’s programmatic lending solution and benefit from lower operating expense, data-driven underwriting and credit decisioning, reduction in turnaround time, no cost of customer acquisition, proven technology and increase in profitability. The lending platform helps in making instant lending decisions and getting money into borrowers accounts with a small time span, enabling users to get digital and quick loans to people when they need them.