You know your merchants better than any bureau.
Now offer them credit.
Every settlement cycle, every order pattern, every payout record: you watch it in real time. A credit score sees GST returns from three years ago. Glaas reads what you already see, and underwrites your merchants in days, inside your platform, under your brand. They get working capital without leaving your platform. They grow, transact more, and stay. You earn a share of the book.
Glaas Engine
Trusted by India's leading digital platforms
Standard products can't serve non standard businesses.
A merchant who earns through festive spikes, an exporter waiting on a shipment, a distributor billing every week: they don't all fit one standard loan. Glaas customizes credit to each business cycle, built from four parts we shape around your platform rather than a fixed template everyone has to take.
Working capital loans, lines of credit and term loans, with repayment shaped to how each merchant actually earns: seasonal, invoice-linked, or daily.
Eligibility, limits and credit rules, shaped around your book and your data, not a generic template.
KYC, disbursement, servicing and collections, all run end to end by us, so your team never has to build and staff an operation of its own.
Interest, fees and tenures, priced to your segment so the book performs and your share grows.
Building this in-house means an NBFC licence, a credit team, a compliance function and quarters of engineering. With Glaas it's a single partnership that goes live in days, at a fraction of the cost. The licence, the capital and the compliance all come through Glaas and our own NBFC, Gromor Finance, alongside our co-lending partners.
What embedded credit changes for your platform.
Three things shift the moment credit lives inside your platform: how fast your merchants grow, how long they stay, and what you earn.
Working capital lifts your merchants' ceiling, and yours
A merchant who has to wait on settlement before restocking ends up stuck. Credit lifts that limit, so they fulfil more orders and more GMV stays on your platform.
A credit line on your platform is the retention feature you never had to build
Repayment history, credit limit and drawdown record all live inside your platform. Switching means walking away from that financial history and starting over. Retention that runs itself, with no loyalty programme to design.
You earn from the book. Not a flat referral fee.
You earn a share of the net interest margin, not a flat fee paid regardless of how the book performs. Tighter underwriting and lower defaults pay you more. Platforms that provide FLDG earn a larger share.
One seller's journey, from stalled stock to repaid loan.
Meet Mihir, who sells designer wear on BazaarKart, a social-commerce marketplace for small sellers across India. Glaas powers the embedded credit BazaarKart offers its merchants, with capital from Gromor Finance. Here's how it reaches Mihir without him ever leaving the platform.
The need
Ahead of the festive rush, Mihir needs capital to buy stock. He opens his BazaarKart dashboard, where a credit option is already waiting.
Pre-qualified on real data
From his history on BazaarKart, his sales track record and past credit checks, Mihir is pre-qualified for an Instant Cash limit, with no fresh paperwork to chase.
KYC and approval in minutes
BazaarKart completes KYC and data checks through Glaas APIs, and Mihir's credit limit is approved in minutes.
Draw down on his terms
Mihir e-signs the loan papers and draws up to 100% of his limit, choosing the amount, tenure and repayment plan that suit him.
Repayment that fits his cash flow
He repays in 90 daily instalments, auto-managed by Glaas with BazaarKart. Glaas handles daily settlement to the lender and passes the surplus back to Mihir.
Reuse, again and again
As he repays, freed-up limit is ready for the next cycle, so the credit line grows with his business instead of expiring with one loan.
From API keys to live credit product.
Measured in days.
Glaas plugs into your existing data and platform flow. Credit becomes native to your platform: not a redirect, not a separate app. Your merchants find it inside the platform they already use every day.
Integrate & configure
Connect over REST API or SDK, with a sandbox to build against from day one. You decide how credit appears to your merchants: white-labelled as your own, or co-branded with Glaas. The product itself is configured around your merchant profile rather than pulled off a shelf. A co-branded launch needs no engineering and goes live in about two days; a fully embedded build with your own UX takes around two weeks.
Underwrite & disburse
Your platform data feeds the credit engine in real time, so underwriting is automated and pricing is risk-based. KYC runs in the background without your team touching it, and approval to disbursal takes hours rather than weeks. Merchants get a fast decision; your ops team never sees the queue.
Monitor & scale
You get live visibility into the portfolio: disbursements, repayments and overdue accounts, with early warning signals before a loan goes bad. Glaas runs collections, and every repayment cycle feeds back into the model, so risk is priced more accurately the longer you run. You watch the dashboard; the rest runs underneath it.
You bring the merchants. Glaas is the entire stack beneath them.
Standing up a credit product means assembling a licence, capital, underwriting, KYC, servicing and collections, and keeping every piece compliant. The convenience of Glaas is that all of it already exists, run and owned by us. You plug in the top layer; everything below is there from day one.
That convenience is the point: you don't assemble any of this, hire for it, or wait quarters to build it. Your merchants never go looking for a loan; credit is already there, inside the platform they use every day.
Every type of platform. One infrastructure.
You don't need to be a fintech to offer working capital, just merchant data your platform already has. Here's who that typically means.
Your GMV is capped by your merchants' cash flow
Cash-constrained merchants can't restock fast enough to grow, and that ceiling becomes yours. Your GMV data, order history, and seller ratings are exactly what Glaas's credit engine needs to remove it. The underwriting model is built around the way your merchants actually operate, not a generic template retrofitted to fit them.
- B2B marketplaces
- D2C aggregators
- Online retail platforms
- Seller networks
You see who's growing in real time. A bureau score sees it six months later.
You already see P&L statements, invoices, outstanding receivables. You know which merchants are growing and which are struggling before any bureau score reflects it. Turning that insight into a credit product is the highest-value move a SaaS platform can make.
- Accounting & billing SaaS
- ERP & POS software
- Vertical SaaS platforms
You move their money. They need more of it.
You already process merchant cash flows. Settlement data, transaction velocity, payout patterns: it's already there. Glaas closes the gap between the money moving through your platform and the working capital your merchants need to keep it moving.
- Payment gateways & aggregators
- Neobanks & wallets
- Settlement providers
Supply chains stall at the invoice. Credit fixes that.
Anchors, distributors, and the platforms that connect them. When credit is embedded into the supply chain (invoice financing, early payment, vendor credit), procurement doesn't stall and relationships don't fray. Glaas puts the capital where the friction is.
- Supply-chain platforms
- Distribution networks
- B2B procurement
- Invoice & SCF platforms
Seven in ten borrowers came back for a second loan. A book that's actually working.
98.98% of API responses under 5 seconds. Built to scale without breaking.
Hear from the platforms that went live.
"Glaas API suite helps us provide credit line products to our customers directly from the Razorpay dashboard. Onboarding is simple and completely online. We are really happy with Glaas APIs that help improve offerings for our customers."
"Glaas platform helped us launch our offering quickly into the market by abstracting complexities of financial services infrastructure, supporting our revenue-based financing products and providing capital. Their understanding of the lending world helped us immensely."
"Open offers a comprehensive business banking solution for small businesses & startups. Credit is a critical part of it. By integrating Glaas APIs we are able to embed & offer multiple financial products like Line of Credit & BNPL to our customers seamlessly."
Common questions about embedding credit.
No. Glaas operates through Gromor Finance, a licensed NBFC registered with the Reserve Bank of India. You don't need a licence, a balance sheet, or any regulatory setup on your end. That's entirely our responsibility. You go live under our regulatory umbrella.
For a co-branded no-code merchant journey, under 2 days. For a fully native embedded integration with your platform's UX and data pipeline, under 2 weeks. You get dedicated sandbox access to test everything in a live-like environment before anything goes to production.
Yes, and that's the whole point. Glaas's credit rule engine ingests your platform data directly: GMV history, settlement patterns, order frequency, seller behaviour. All of it feeds the underwriting model. You get better credit decisions for your merchants and a portfolio that's priced correctly from day one, instead of being retrofitted after the first NPA cycle.
Working capital loans, lines of credit, and term loans. Ticket sizes, tenures, repayment cadences: all configurable based on your merchant base and use case. A marketplace with weekly settlement cycles needs different product parameters than a SaaS platform billing monthly. Glaas designs the product around your merchants, not the other way around.
That's your call. With native integration, your merchant never leaves your platform. They see your brand and your UX; Glaas stays out of view. With co-branded, there's a small "Powered by Glaas" mark, but the experience stays anchored in your platform. Either way, no redirects.
You run your platform as usual; Glaas runs the credit operation underneath it. Underwriting, KYC, disbursement, collections, compliance, ledger management and regulatory reporting are ours. Your team keeps doing what it already does, including the merchant relationships it owns, and watches a real-time portfolio dashboard, without standing up a collections function or hiring a credit analyst.
The merchants who leave your platform for cash don't come back.
Merchants with credit embedded in your platform grow faster, transact more, and stay. You earn from the interest on every loan your merchants take. Glaas handles the licence, capital, KYC, collections, and compliance. Your team reviews the partnership agreement. Integration takes days, not a multi-quarter sprint.
Glaas operates through Gromor Finance, a licensed NBFC registered with the Reserve Bank of India.