Vivriti Capital Transforms its Lending Platform with IBM API Connect

Mid-corporate enterprises, Small Medium Enterprises and Retail NBFCs play a pivotal role in driving India’s economic expansion; however, access to timely and competitively priced credit remains a persistent challenge for this segment. Lengthy documentation and manual verifications slow lending processes, leaving many businesses waiting weeks for funds. Increasingly, borrowers are seeking digital-first lending experiences, fast, transparent, and paperless solutions that make access to finance seamless.

To bridge this gap, Vivriti Capital, a Chennai-based RBI-registered Non-Banking Financial Company (NBFC), has been redefining how credit reaches India’s Mid-Corporate, SME borrowers and Retail NBFCs. As a tech-led lender, the company’s mission is to enable faster and more inclusive financial access for businesses that are too large for microfinance institutions yet too small or unrated for traditional banks. As customer expectations evolved and transaction volumes surged, Vivriti realized it needed to modernize its technology backbone. Manual workflows and fragmented integrations were limiting its ability to deliver a truly digital lending experience.

“We needed a secure and scalable co-lending platform capable of handling end-to-end workflows like partner onboarding, CKYC/CIBIL checks, loan creation, digital signatures, and collections. We needed to manage our growing business ecosystem efficiently while enabling seamless integration for multiple partners and developers,” said Prasenjit Datta, CTO & CIO of Vivriti Capital.

Building a Secure, API-Driven Lending Platform

To achieve this transformation, Vivriti Capital adopted IBM API Connect, delivered as a fully managed SaaS offering on AWS. The solution provides centralized Application Programming Interface (API) lifecycle management, developer-friendly access, and enterprise-grade security, critical for a fintech operating in a highly regulated environment. The solution unified key capabilities, enabling faster partner integrations, stronger governance, and end-to-end visibility – helping Vivriti Capital to accelerate innovation, reduce complexity, and scale confidently as a tech-first NBFC.

“Vivriti Capital is shaping the future of digital lending in India by building an open, secure, and scalable ecosystem powered by APIs. With IBM API Connect, they have accelerated partner onboarding, improved agility, and created a strong foundation for inclusive growth. This transformation enables them to scale with confidence while expanding faster, more transparent access to credit for India’s mid-market and SME sectors,” said Samit Shetty, Country Leader, Automation Platform, IBM India & South Asia.

Driving Efficiency and Agility Across the Lending Value Chain

Since deploying IBM API Connect, Vivriti Capital has seen their Partner and client onboarding cycles reduce significantly by 60-70% resulting in quicker disbursals and improved customer satisfaction. Centralized API management and analytics provides end-to-end visibility into system performance and compliance, ensuring that every transaction remains secure and traceable.

The developer experience improved considerably as well. With the new portal, both internal teams and partners can test and deploy integrations independently, shortening go-to-market timelines and reducing dependency on manual development. Additionally, automation and centralized setup have helped Vivriti Capital lower its total cost of ownership by 10-15% minimizing middleware complexity and improving resource utilization.

“Through IBM API Connect, we’ve been able to reimagine how we engage with partners, reducing integration time and improving overall agility. The centralized management and analytics capabilities have helped us scale confidently while ensuring data security and compliance,” added Prasenjit Datta.

By adopting an API-first strategy, Vivriti Capital has built a digital lending foundation designed for speed, security, and innovation. The platform supports the company’s vision of expanding access to finance for India’s underserved mid-market and SME sectors, delivering faster, more transparent, and inclusive financial services that enable customers and partners to grow with confidence.