Prequalify users and offer loans over WhatsApp

Generate leads for lenders. Or redirect your customers to pre-built loan journeys on WhatsApp.
Earn revenue for every qualified lead and successful loan disbursal.

Are you a business that works with 5K+ small businesses? Join us in launching an industry-first experience loan application for your users 🔔

Get in touch to know more about the product—

←  ApnaBank India

This chat is with the official business account of “ApnaBank India”. Tap for more info.

Hi, I’d like a loan, please.

Yes, customer!

Share your PAN number please.


Thank you! Hold on while we check your eligibility...

Congrats! Here are some offers for you—

1️⃣ ₹30,000 at 12% interest

2️⃣ ₹50,000 at 16% interest


Great! Share your bank account number, please.


Super! And the IFSC, too.



Excellent! Your loan is ready for disbursal!

Sign and upload agreement to receive funds. Repay EMIs right on WhatsApp!

4 pages . 86 KB . pdf


Are you a bank or NBFC?

Setu helps build seamless user flows on top of your existing lending products and APIs.

Lending for Banks

Get pre-qualified leads, offer loans via many digital channels

Earn revenue from day one

Generate leads for Setu’s bank partners, using our qualification engine. Earn revenue for both qualified borrowers and successful disbursals.
Engage your customers effectively—display loan offers to qualified borrowers—and redirect to our pre-built, complete loan journeys, right from your app or website.

Get started in just one day!

  • Offer sole proprieterships up to ₹10 lakhs, in under 10 mins

  • Industry-first loan application on WhatsApp

  • Customisable loan experience

More than 50% of our applications are from Tier 2 or Tier 3 cities!

Multiple loan products
Pre-built journeys

An industry-first WhatsApp loan application UX. Customise the loan chatbot with pre-filled borrower data, custom images and buttons.

One stop solution
One stop for loan applications

Inbuilt lead qualification, KYC verification, LMS/LOS integration—so you needn’t lift a finger.

Compliant always
Compliant, always

Data is encrypted end-to-end and Setu complies with all data localisation norms.

Bank grade security
Bank-grade security

Setu is ISO 27001 certified and adheres to all bank infosec requirements.

Zero integration, complete loan journeys

Prompt customers to apply for loans at key conversion points—like when a business receives an invoice or when a GST payment is due.
Redirect customers to Setu’s pre-built end-to-end loan journeys—complete with loan application, KYC checks, e-sign for loan agreement and e-mandate.
Offer loans contextually
Offer loans contextually

Display loan offers when the user is more likely to apply, for better UX and higher conversions.

Cross-sell other products
Cross-sell other products

Incorporate ready flows for additional products like CIBIL score fetch or credit line drawdowns.

Loan offer for invoice

Generate leads for lenders

Use Setu’s qualification engine on your website or app to generate leads for Setu’s lending partners.
Share your customers’ basic details—like name, WhatsApp number, DOB, PAN—to qualify borrowers and earn on every disbursal.
Prequalify borrowers
Prequalify borrowers

Setu’s engine ingests customer data to qualify them, even before you target them for loans.

Earn per disbursal
Earn per disbursal

High returns with lead generation fees for every loan disbursal.

View all leads in one dashboard—

Applications in progress





Disbursed loans