Run an NBFC with 2 people
You have your NBFC licence. You have a credit policy. You do not have an operations team yet. SquareNow’s Starter plan is built for exactly this situation.
The AI agents do the operational work. You make the decisions on credit, customers, and growth.
Who this is for
You are a Tier-0 NBFC if any of these describe you. You are 1 to 5 people. You are between zero and ₹50 Cr AUM. You got your RBI registration in the last 24 months. You are running on Excel and one or two SaaS tools because you cannot afford or justify a 50-person ops team yet.
There are several hundred Indian NBFCs in this band. Most are underserved by the LMS market, which built itself for institutions 100 times your size.
What you get with the Starter plan
A working LMS and LOS. AI agents handling onboarding, KYC, underwriting checklist matching, disbursement, bucket-1 collections, and audit logs. Pre-built reports for the regulatory regime applicable to your scale. Up to a stated borrower volume and a small user count.
The constraint is not what the platform does. It is the volume cap. Once you cross the cap, you graduate to the mid-size NBFC plan with no migration project.
What you save
Not having to build the operating layer yourself. Not having to hire 5 ops people in year 1. Not having to integrate 8 SaaS tools. Not having to build the regulatory reporting layer from scratch.
Honest math: a Tier-0 NBFC that builds its own ops layer typically spends 12 to 18 months getting to a system that resembles SquareNow’s Starter plan. The Starter plan compresses that to weeks.
Honest about what the Starter plan is not
This is not the same product as the enterprise SquareNow deployment. The Starter plan has a constrained user count, a constrained loan volume, a smaller integration set, and tighter customisation limits. If you cross the volume cap, you upgrade.
We are honest about this because the worst outcome is selling you a plan that breaks at month 8 of your AUM growth. Better to upgrade in flight than to hit a wall.
What you need to bring
A configured credit policy. A KYC vendor decision. A payment partner decision. A founder or COO who is ready to make calls fast.
We bring the rest.
Common questions
How fast can I go live? Two weeks for a vanilla Starter plan deployment.
What products do you support? Personal loans, business loans, MSME, vehicle, education, and bullet-repayment products on the Starter plan.
What is the upgrade path? You graduate to the mid-size NBFC plan when you cross the volume cap. The graduation is a configuration change, not a re-implementation.
What happens to my data on upgrade? It stays. Same instance, expanded plan. No migration project.
What if I never grow past the cap? Then you stay on the Starter plan, indefinitely. We are okay with that.