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Startup Name: LarkFinserv
Tagline: Get Loan Against Securities APIs & SDKs
Elevator Pitch: Lark Finserv is building the digital infrastructure layer for lending against securities in India. We enable instant, paperless credit access to retail and institutional investors by partnering with capital market players, wealth managers, and fintechs. Our platform seamlessly connects investors, lenders, and market infrastructure — making LAS fast, compliant, and scalable. From API-first integrations to plug-and-play credit solutions, Lark is pioneering the future of embedded finance in capital markets.
Target Market: 1. Retail Investors Profile: Individuals with investments in mutual funds, shares, ETFs. Need: Liquidity without redeeming or selling their portfolio. Solution: Instant loans/credit lines against securities, enabled digitally. 2. HNI & UHNI Clients Profile: High net-worth individuals and family offices with large portfolios. Need: On-demand access to credit without disturbing long-term allocations. Solution: Custom LAS solutions, flexible limits, and overdrafts. 3. Non-Individual Entities Profile: Corporates, LLPs, trusts, NBFCs, family offices. Need: Working capital via credit against treasury holdings or promoter stakes. Solution: Lark Grandz – line of credit against securities for non-individuals. 4. Capital Market Intermediaries Profile: Mutual fund distributors, wealth managers, brokers, RIA firms. Need: Enable liquidity and credit solutions for their clients. Solution: Lark Partner – co-branded LAS solutions, with partner portals, APIs, and shared revenue.
How will you make money?: Revenue Model: Lark Finserv
Lark Finserv earns revenue through infrastructure-driven monetization, partner ecosystem value capture, and embedded lending enablement. Here’s how:
1. Commission / Origination Fee from Lenders
Lark acts as a Loan Service Provider (LSP) under RBI guidelines.
For every LAS (Loan Against Securities) disbursed via the platform, Lark earns a commission from the lending partner.
This is typically a % of the loan amount, or a fixed per-loan fee.
2. Partner Revenue Share
Lark partners with mutual fund distributors, wealth managers, brokers, etc.
These partners bring in their client base, and Lark enables credit for them.
Lark can share revenue with partners, and retain a margin from every LAS transaction.
3. SaaS / Platform Access Fees
For enterprise partners (like brokers, RIA firms, fintechs), Lark offers white-label access, APIs, dashboards, etc.
This is monetized via:
Monthly/annual SaaS fee
Per API call charges
Usage-based pricing
4. Premium Features / Value-Added Services
Lark can offer paid value-added services:
Priority disbursal / faster execution for premium clients
Custom risk/pricing engines for partners
Analytics dashboards and investor insights
Real-time portfolio monitoring tools
How much capital have you raised?:
Founder(s) Name: Rohit Pateria
Website: https://www.larkfinserv.com/
Twitter: https://x.com/FinservLark
City/Country: Noida, India
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