Empowering India’s SMEs to Unlock Their True Potential
In India, 63 million small and medium-sized enterprises (SMEs) are the backbone of our economy. Yet, despite their immense potential, only 14% of these businesses have access to formal credit. The remaining 86% struggle—not because they lack ambition or capability, but because they lack access to a critical financial lifeline.
Every day, more than 60% of loan applications are rejected due to fragmented financial data, insufficient credit history, or lack of preparation. These rejections cost businesses precious time, growth opportunities, and, in the worst cases, their very survival.
At OneNDF, we believe this status quo is unacceptable.
What We Do
One Account, Endless Possibilities
We are India’s first credit profile builder for SMEs, engineered to ensure that no small business misses out on funding due to preventable barriers. Our platform integrates four key financial pillars—credit bureau data, financial statements, GST records, and banking data—to build a dynamic and comprehensive credit profile for your business. This isn’t just about applying for loans—it’s about preparing your business to succeed.
Opportunities
With OneNDF You Can
Know Eligibility
KNOW your loan eligibility far in advance, avoiding costly rejections.
Plan Funding
PLAN for funding with actionable insights that improve your creditworthiness.
Execute Confidently
EXECUTE with confidence, accessing the right lenders, competitive rates, and fast approvals.
Mission
OUR MISSION
Our mission is to empower India’s SMEs by reducing loan application rejection rates and ensuring businesses are prepared for funding when they need it—or even before they need it.
At OneNDF, we identify your funding needs ahead of time and equip you with a comprehensive, standardized credit profile. By integrating with 120+ lenders, we ensure there’s a funding option for every business borrower on our platform.
Our platform’s advanced preparation process increases your chances of securing higher loan amounts while saving precious time. From creating lender-ready documents to meeting requirements at every stage of the loan journey—whether at login, sanction, or disbursement—we simplify the process, so you can focus on growing your business.
We’re not just bridging the credit gap; we’re creating a future where every SME has the clarity, confidence, and resources to thrive.
WHY US
Why Choose OneNDF?
Revolutionary Impact
Transforming Businesses with Expertise
- Over ₹3,000+ crores disbursed to 2,000+ businesses.
- Built on a decade of expertise in SME and corporate financing.
Technology-Driven Solutions
Smart Lending with Technology
- API-driven integrations ensure precision and speed in building your credit profile.
- Advanced algorithms match your profile to the approval criteria of 100+ lenders.
Tailored for SMEs
Boost Eligibility for Success
Our platform doesn’t just assess your current eligibility—it shows you how to improve it within 3–6 months, ensuring long-term financial success.
Our Vision
At OneNDF, we see a future where every small business owner has the tools to grow, scale, and thrive. By empowering SMEs with clarity, confidence, and access to credit, we’re not just building a platform—we’re transforming lives, businesses, and economies.
Get to know us
Our Founder
Nitin Khandelwal
CEO & Founder
OneNDF was founded in 2021 by Nitin Khandelwal, a veteran of the Industry with substantial domain expertise in the retail lending sector. Nitin has spent considerable time with Standard Chartered Bank and has been a successful Entrepreneur running this business as an Offline Loan Marketplace.
Nitin's success can be attributed to his passion for putting great deals together for his clients, his unwavering work ethic, and his reputation with clients, business managers, and leadership at several banks.