Access Pre-Qualified, Skill-Verified Borrowers.
Lakshya brings you a pipeline of borrowers whose earning potential is validated by real skill data - reducing risk, acquisition cost, and time-to-disburse.
A lending rail, de-risked at the source.
Pre-qualified borrowers
Borrowers arrive with verified skill scores, course completion data, and placement signals. No cold leads.
60% lower CAC
Skip the lead-funnel. Lakshya routes underwriting-ready applications straight into your origination flow.
Outcome-based underwriting
Earning-potential models, drop-off scores, and live cohort tracking - signals that price risk better than bureau-only.
India's skill finance opportunity
A trillion-rupee unmet need across skill-to-job and skill-to-enterprise pathways. Participate from day one.
Three guarantees. One panel.
Lakshya is wired into India's three flagship credit-guarantee programs. Lenders on our panel get pre-routed access without setting up their own MoUs.
From empanelment to recovery.
Empanelment
Light-touch onboarding. Share product sheets, credit policy, and target geographies.
Borrower routing
Lakshya pipes pre-qualified applicants into your origination API or panel dashboard.
Skill-verified underwriting
Each applicant ships with skill score, course completion proof, and earning-potential model.
Disburse & track
Lakshya tracks course progress, attendance, and placement - live signals through the loan lifecycle.
Recover & report
Outcome-tracked recovery. Granular cohort and vintage reporting for portfolio reviews.
Built for lender operations.
Origination API
Push pre-qualified applicants into your LOS via REST or panel handoff.
Skill score & CES
Course Employability Score and trait coverage with every application.
Live journey tracking
Attendance, assessment, and placement signals through the loan lifecycle.
Partner as a Lender.
Tell us about your institution. Our partnerships team replies within one working day with an empanelment pack and pilot scope.
- Light-touch empanelment
- Pilot in 4 weeks
- Outcome-linked SLAs