BharatX YC Application

Winter 2022Acquired

BharatX went through Y Combinator in the Winter 2022 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.

YC batch: Winter 2022
Industry: FintechCredit and Lending
Team size: 14
Status: Acquired
Launched: 2022

Founders

Mehul JindalCo-Founder & CEO
Shyam MuruganFounder
Eeshan SharmaFounder
Siddharth VenuFounder

What BharatX does

BharatX was recently acquired by Flipkart, the largest startup in India, to enable Buy Now Pay Later in their own ecosystem as well as bolster their own FinTech play via Super.money. It powers Checkout Financing in their ecosystem currently on Millions of Users. BharatX enabled "Pay in 3" and "Pay in X" parts as a feature on over 1000+ brands, 300+ directly and the rest via Payment Gateway partners. Our product enabled Buy Now Pay Later, in a white-labelled way. For e.g. Flipkart PayLater on Flipkart. We grew 47X to $2.5M ARR in under 6 quarters straight after fumbling for 2 years around PMF and Credit Risk & Fraud. We started out as a platform to provide access to Credit in Developing countries without relying on traditional documentation processes by Banks, which did not give access to hundreds of millions.Over the course of BharatX, we have credit to hundreds of thousands of consumers, including many New to Credit (NTC) users.

BharatX's YC application, reconstructed

Y Combinator application

BharatX, Winter 2022 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

BharatX

Describe what your company does in 50 characters or less.

Enable Buy-Now-Pay-Later in a White-Labelled Manner

What is your company going to make? Please describe your product and what it does or will do.

We built a white-label Buy Now Pay Later platform that powers checkout financing for merchants and large ecosystems. Our product lets companies offer 'Pay in 3' or 'Pay in X' installments under their own brand, like Flipkart PayLater. It handles underwriting, credit risk, fraud control, and integrates seamlessly into merchant checkouts for millions of users, including many new to credit.

Where do you live now, and where would the company be based after YC?

We live and operate in Bengaluru, Karnataka, India. The company would remain based here after YC.

Explain your decision regarding location.

Bengaluru is India's fintech hub with strong engineering talent and proximity to large e-commerce ecosystems. Staying here keeps us close to our merchants, partners, and core markets in developing regions where credit access is limited.

21 more answers in the full application

Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.

See full application

Frequently Asked Questions

Is this the real BharatX YC application?

No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from BharatX's public data (launch notes, founder backgrounds, product description). It shows how a company like BharatX would present itself to YC, not the text they submitted.