KrazyBee

The company's primary business involves offering unsecured personal loans through a fully digital, app-based model. While it started with a focus on students under the "KrazyBee" brand, it has since shifted its primary focus to young professionals through its "KreditBee" platform. Loans are originated via the KreditBee mobile application, which is owned by its group company, Finnovation Tech Solutions Pvt Ltd. This digital-first approach allows for a pan-India presence and eliminates the need for manual intervention in the lending process. Revenue is generated from both interest income on its loan book and processing fees charged for each disbursement. The company also engages in co-lending partnerships.

KrazyBee provides a range of credit products, including personal loans, salary-on-demand, business loans, and two-wheeler loans. Initially, it offered micro-loans to students for e-commerce purchases, educational fees, and other small expenses. The platform evolved to serve young professionals with unsecured personal loans of up to ₹4,00,000 for tenures as long as 48 months. The entire loan process, from application to disbursement, is designed to be completed online within minutes, catering to urgent financial needs. A key aspect of its service is its proprietary credit scoring system, which assesses the credit risk of individuals who may not have a prior credit history, using factors like educational merit and quality of their attended institution.