{"id":22294,"date":"2024-06-18T13:13:28","date_gmt":"2024-06-18T13:13:28","guid":{"rendered":"https:\/\/www.craftsilicon.net\/asia\/?p=22294"},"modified":"2024-06-18T13:19:20","modified_gmt":"2024-06-18T13:19:20","slug":"evolution-of-co-lending","status":"publish","type":"post","link":"https:\/\/www.craftsilicon.net\/asia\/evolution-of-co-lending\/","title":{"rendered":"The Evolution of Co-lending"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22294\" class=\"elementor elementor-22294\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0fbf5ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0fbf5ad\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;_id&quot;:&quot;448a771&quot;,&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_widescreen&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_laptop&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-235d8812\" data-id=\"235d8812\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4504fca4 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"4504fca4\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\">Co-lending has significantly evolved over the years, revolutionizing the way financial institutions collaborate to fund projects and businesses. Understanding the roots and importance of co-lending is crucial to understanding its current impact on the financial sector.\u00a0<span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 0.8rem; letter-spacing: 0.6px;\">Co-lending plays a fundamental role in promoting financial inclusion by providing access to capital for individuals and businesses that may not meet traditional lending criteria. It fosters innovation, enables priority sector like MSME, and facilitates economic growth.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a58782f elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a58782f\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;_id&quot;:&quot;62c2f1a&quot;,&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_widescreen&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_laptop&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3a060a53\" data-id=\"3a060a53\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7bfa171 ob-has-background-overlay elementor-widget elementor-widget-image\" data-id=\"7bfa171\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_photomorph_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"582\" src=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-1024x745.jpg\" class=\"attachment-large size-large wp-image-22357\" alt=\"\" srcset=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-1024x745.jpg 1024w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-300x218.jpg 300w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-768x559.jpg 768w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-1536x1117.jpg 1536w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-2048x1489.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4c84dc9e\" data-id=\"4c84dc9e\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-202d757d ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"202d757d\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><b>What is Co-lending?<\/b><\/strong><\/p><p>Co-lending involves collaboration between two types of partners: the Financing partner and the Servicing partner.<\/p><ul><li><strong><b>Financing Partner(FP):<\/b><\/strong> This partner contributes a larger percentage of the loan amount in the partnership. They provide the bulk of the capital needed for the loan.<\/li><li><strong><b>Servicing Partner(SP):<\/b><\/strong> This partner is responsible for servicing loan to customer. Their roles include primary sourcing of the loan, managing loan repayments(collections), &amp; acting as the main point of contact for the customer throughout the loan process.\u00a0<\/li><\/ul><p>In this arrangement, the financing partner ensures the availability of funds, while the servicing partner handles the operational aspects of the loan, ensuring smooth management and repayment. This collaboration allows for the pooling of resources and expertise, leading to more efficient and inclusive lending practices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e5e2c9e elementor-hidden-widescreen elementor-hidden-desktop elementor-hidden-laptop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5e2c9e\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a22b8e5\" data-id=\"a22b8e5\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f8448f ob-has-background-overlay elementor-widget elementor-widget-image\" data-id=\"7f8448f\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_photomorph_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"582\" src=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-1024x745.jpg\" class=\"attachment-large size-large wp-image-22357\" alt=\"\" srcset=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-1024x745.jpg 1024w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-300x218.jpg 300w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-768x559.jpg 768w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-1536x1117.jpg 1536w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/people-handshake-modern-airport-glows-as-sign-cooperation-closeup-generative-ai-illustration-2048x1489.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-962412e\" data-id=\"962412e\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-194ff6c ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"194ff6c\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>What is Co-lending?<\/b><\/p><p>Co-lending involves collaboration between two types of partners: the Financing partner and the Servicing partner.<\/p><ul><li><b>Financing Partner(FP)<\/b><strong>:<\/strong> This partner contributes a larger percentage of the loan amount in the partnership. They provide the bulk of the capital needed for the loan.<\/li><li><b>Servicing Partner(SP)<\/b><strong>:<\/strong> This partner is responsible for servicing loan to customer. Their roles include primary sourcing of the loan, managing loan repayments(collections), &amp; acting as the main point of contact for the customer throughout the loan process.<\/li><\/ul><p>In this arrangement, the financing partner ensures the availability of funds, while the servicing partner handles the operational aspects of the loan, ensuring smooth management and repayment. This collaboration allows for the pooling of resources and expertise, leading to more efficient and inclusive lending practices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-023878b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"023878b\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;_id&quot;:&quot;448a771&quot;,&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_widescreen&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_laptop&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-11773804\" data-id=\"11773804\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45df3fef ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"45df3fef\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><b>History of Co-lending<\/b><\/strong><\/p><p>The concept of co-lending dates back to ancient civilizations, where groups of individuals would pool resources to support fellow community members in need. Fast forward to modern times, banking institutions began formalizing co-lending practices to cater to diverse financial requirements.<\/p><p><b><strong>Reserve Bank of India (RBI) Guidelines<\/strong><\/b><\/p><p>The RBI has issued guidelines to formalize co-lending arrangements, particularly between banks and non-banking financial companies (NBFCs). The Co-Lending Model (CLM), introduced in 2020, aims to enhance credit flow to priority sectors by leveraging the comparative advantages of banks and NBFCs.<\/p><p><span style=\"font-size: 12.8px; letter-spacing: 0.6px;\"><b><b style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 0.8rem; letter-spacing: 0.6px;\">Types of Co-lending Models<\/b><\/b><\/span><\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li><strong><b>CLM 1 &#8211;<\/b><\/strong> In this model, all the co-lenders jointly fund the loan amount according to pre-agreed ratios.<\/li><\/ul><p style=\"margin-left: 36.0pt;\"><b>For example<\/b>, Lender A funds 80% while Lender B funds 20% of the total loan amount.<\/p><p><a href=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Revised-Clm-3.png\"><img decoding=\"async\" class=\"aligncenter wp-image-22302\" src=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Revised-Clm-3.png\" alt=\"\" width=\"650\" height=\"421\" srcset=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Revised-Clm-3.png 1000w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Revised-Clm-3-300x194.png 300w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Revised-Clm-3-768x497.png 768w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/a><\/p><div><ul><li><strong><span style=\"font-size: 12.8px; letter-spacing: 0.6px;\"><span style=\"font-weight: bold; font-size: 12.8px; letter-spacing: 0.6px;\">CLM 2<\/span><\/span>&#8211; <\/strong><strong>Reimbursement-based Co-lending-<\/strong>\u00a0Here, one lender disburses the full loan amount first. Subsequently, the other lender reimburses a percentage of the loan, say 80%, to the first lender as per the co-lending agreement. This model is similar to Direct Assignment.<\/li><\/ul><p><a href=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Revised-Clm-2.png\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Revised-Clm-2.png\" alt=\"\" width=\"650\" height=\"475\" \/><\/a><\/p><\/div><div><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.craftsilicon.net\/wp-content\/uploads\/2020\/11\/Untitled-design-3.png\" alt=\"\" width=\"400\" height=\"40\" \/><\/div><div>\u00a0<\/div><p><span style=\"font-size: 12.8px; letter-spacing: 0.6px;\"><b><span style=\"font-weight: bolder; font-size: 12.8px; letter-spacing: 0.6px;\"><span style=\"font-weight: bold; font-size: 12.8px; letter-spacing: 0.6px;\">Benefits of Co-Lending<\/span><\/span><\/b><\/span><\/p><p>Co-lending offers numerous advantages for lenders, borrowers, and the overall financial ecosystem.<\/p><ul><li><strong><b>Risk Diversification-<\/b><\/strong>\u00a0By spreading loan exposure across lenders, co-lending significantly reduces the risk of any single lender facing substantial losses. This diversification strategy enhances financial stability and resilience.<\/li><li><strong><b>Increased Loan Approvals-<\/b><\/strong>\u00a0Co-lending increases the likelihood of loan approvals for borrowers, especially those with unique or complex financing needs. Two lenders bring diverse perspectives and expertise to evaluate loan applications, leading to more inclusive lending practices.<\/li><li><strong><b>Lower Interest Rates for Borrowers-<\/b><\/strong>\u00a0Collaborative lending often results in competitive interest rates for borrowers, as lenders work together to offer attractive terms and conditions. This fosters healthy competition in the lending market, benefiting borrowers with cost-effective financing options.<\/li><\/ul><div>\u00a0<\/div><p style=\"padding-left: 40px;\"><strong><b>For Example:<\/b><\/strong><\/p><p style=\"padding-left: 40px;\">Consider a co-lending partnership involving two lenders:<\/p><p style=\"padding-left: 40px;\"><b><strong>Lender A<\/strong>\u00a0<\/b>has an interest rate of 18% and contributes 80% to the loan amount.\u00a0<b style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 0.8rem; letter-spacing: 0.6px;\"><strong>Lender B<\/strong><\/b><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 0.8rem; letter-spacing: 0.6px;\"> has an interest rate of 14% and contributes 20% to the loan amount.\u00a0<\/span><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 0.8rem; letter-spacing: 0.6px;\">The blended rate of interest for the customer can be calculated using the following formula will be 17.20%<\/span><\/p><p style=\"padding-left: 40px;\"><strong><b>Formula :<\/b><\/strong>\u00a0(Funder A Share % * Interest Rate of Funder A) + (Funder B Share % * Interest Rate of Funder B)<\/p><p style=\"padding-left: 40px;\"><b><strong>Using the given percentages and interest rates:<\/strong><\/b><\/p><p style=\"padding-left: 40px;\">Blended\u00a0Rate\u00a0of\u00a0Interest = (0.80\u00d718%) + (0.20\u00d714%)<\/p><p style=\"padding-left: 40px;\">Blended\u00a0Rate\u00a0of\u00a0Interest = 14.4% + 2.8%<\/p><p style=\"padding-left: 40px;\"><strong><b>Blended\u00a0 Rate of\u00a0Interest\u00a0 <\/b><\/strong><strong><b>= 17.2%<\/b><\/strong><\/p><p><strong><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.craftsilicon.net\/wp-content\/uploads\/2020\/11\/Untitled-design-3.png\" alt=\"\" width=\"400\" height=\"40\" \/><\/strong><\/p><p><strong><b>Challenges of Co-lending<\/b><\/strong><\/p><p>Despite its benefits, co-lending comes with its set of challenges that require careful consideration and strategic management.<\/p><ul><li><strong><b>Coordination and Communication Issues-<\/b><\/strong>\u00a0Coordinating two lenders, aligning on terms, and maintaining effective communication throughout the lending process can be challenging. Ensuring transparency, clarity, and accountability among all parties is essential to overcoming these hurdles.<\/li><li><strong><b>Credit Risk Management-<\/b><\/strong>\u00a0Managing credit risk in co-lending arrangements demands robust credit assessment, monitoring mechanisms, and risk mitigation strategies. Lenders need to evaluate borrower creditworthiness, set appropriate risk limits, and monitor loan performance diligently to safeguard their financial interests.<\/li><li><strong><b>Technology Integration-<\/b><\/strong>\u00a0Advancements in financial technology (FinTech) are revolutionizing co-lending processes, enabling digital platforms for seamless loan origination, underwriting, and servicing.<\/li><\/ul><div><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.craftsilicon.net\/wp-content\/uploads\/2020\/11\/Untitled-design-3.png\" alt=\"\" width=\"400\" height=\"40\" \/><\/div><h6><span style=\"font-size: 12.8px; letter-spacing: 0.6px;\"><b><span style=\"font-weight: bolder; font-size: 12.8px; letter-spacing: 0.6px;\"><span style=\"font-weight: bold; font-size: 12.8px; letter-spacing: 0.6px;\">Solution for the challenges<\/span><\/span><\/b><\/span><\/h6><p>Our Nimble co-lending system provides an effective solution by handling communication and balance management between both partners. Nimble co-lending acts as an intermediary, facilitating smooth interactions and operations between the serving partner and the financing partner.<\/p><ul><li><strong><b>Enhanced<\/b><\/strong>\u00a0<strong><b>Coordination<\/b><\/strong> <strong><b>and <\/b><b>Communication<\/b><\/strong><strong><b>: <\/b><\/strong>Nimble co-lending ensures effective communication channels between lenders, promoting transparency and clarity. The system provides a centralized platform for sharing information, aligning on terms, and tracking progress, thereby minimizing coordination issues.<\/li><li><strong><b>Improved<\/b><\/strong>\u00a0<strong><b>Credit Risk <\/b><b>Management<\/b><\/strong><strong>: <\/strong>By monitoring Nimble co-lending helps in conducting thorough credit assessments and setting appropriate risk limits. It continuously monitors loan performance, offering real-time insights to both partners, which aids in proactive risk mitigation.<\/li><li><strong><b>Seamless<\/b><\/strong>\u00a0<strong><b>Technology <\/b><b>Integration<\/b><\/strong><strong>:<\/strong><strong>\u00a0<\/strong>Nimble co-lending pulls progressive solutions to loan origination, underwriting, and servicing. This integration streamlines processes, reduces manual efforts, and enhances operational efficiency, making co-lending more effective and scalable.<\/li><\/ul><p>Through these features, Nimble co-lending plays a pivotal role as a middle layer, ensuring smooth collaboration between the serving and financing partners, ultimately leading to a more efficient and effective co-lending process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b6d4a51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6d4a51\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;_id&quot;:&quot;448a771&quot;,&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_widescreen&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_laptop&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34d04c73\" data-id=\"34d04c73\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3bed201e ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"3bed201e\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><b>Summary<\/b><\/strong><\/p><p>Co-lending provides risk diversification, increased loan approvals, and competitive interest rates while requiring effective coordination, regulatory compliance, and credit risk management.<\/p><ul style=\"margin-top: 0cm;\" type=\"disc\"><li><strong><span style=\"font-size: 12.8px; letter-spacing: 0.6px;\"><b>Lenders<\/b><\/span><\/strong><b><span style=\"font-size: 12.8px; font-weight: 300; letter-spacing: 0.6px;\">\u00a0can mitigate credit risk by conducting thorough credit assessments, setting risk limits, and implementing robust monitoring mechanisms.<\/span><\/b><\/li><li><strong><b>Borrowers<\/b><\/strong>\u00a0benefit from increased loan approvals, competitive interest rates, and access to diverse funding sources through co-lending.<\/li><li><strong><b>Technology integration<\/b><\/strong>\u00a0enables automation, data analytics, and digital platforms for seamless loan origination, underwriting, and servicing in co-lending.<\/li><\/ul><p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.craftsilicon.net\/wp-content\/uploads\/2020\/11\/Untitled-design-3.png\" alt=\"\" width=\"400\" height=\"40\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f2ba1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f2ba1c\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;_id&quot;:&quot;03929ec&quot;,&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_widescreen&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_laptop&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile_extra&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_widescreen&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_laptop&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile_extra&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;_ob_glider_is_slider&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-47a46083 elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-mobile\" data-id=\"47a46083\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a4a1316 ob-has-background-overlay elementor-widget elementor-widget-image\" data-id=\"a4a1316\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_photomorph_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Selected-photo-1-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-22350\" alt=\"\" srcset=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Selected-photo-1-150x150.jpg 150w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Selected-photo-1-700x700.jpg 700w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-33debdb elementor-hidden-widescreen elementor-hidden-desktop elementor-hidden-laptop\" data-id=\"33debdb\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59e6753 ob-has-background-overlay elementor-widget elementor-widget-image\" data-id=\"59e6753\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_photomorph_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Selected-photo-1-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-22350\" alt=\"\" srcset=\"https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Selected-photo-1-150x150.jpg 150w, https:\/\/www.craftsilicon.net\/asia\/wp-content\/uploads\/2024\/06\/Selected-photo-1-700x700.jpg 700w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7cb59711\" data-id=\"7cb59711\" data-element_type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-733a5198 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"733a5198\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6>Author: Roopesh Kumar M |\u00a0 Associate Business Analyst, BA Solution<\/h6><p><span dir=\"ltr\">Roopesh is an Associate Business Analyst at Craft Silicon, with two years of experience in the company. He specializes in financial technology integration and is dedicated to enhancing financial inclusion and operational efficiency through innovative solutions in the banking sector. At Craft Silicon, Roopesh works in new product development, focusing on lending and banking solutions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Co-lending has significantly evolved over the years, revolutionizing the way financial institutions collaborate to fund projects and businesses. Understanding the roots and importance of co-lending is crucial to understanding its current impact on the financial sector.\u00a0Co-lending plays a fundamental role in promoting financial inclusion by providing access to capital for individuals and businesses that may [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22357,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[95,92,90,93,91,66,94],"class_list":["post-22294","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-banks","tag-business-loan","tag-co-lending","tag-co-lending-models","tag-msme","tag-nbfc","tag-technology-integration"],"_links":{"self":[{"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/posts\/22294","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/comments?post=22294"}],"version-history":[{"count":0,"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/posts\/22294\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/media\/22357"}],"wp:attachment":[{"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/media?parent=22294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/categories?post=22294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.craftsilicon.net\/asia\/wp-json\/wp\/v2\/tags?post=22294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}