OneFin YC Application

Winter 2017Active

OneFin went through Y Combinator in the Winter 2017 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 2017
Industry: FintechCredit and Lending
Team size: 50
Status: Active
Launched: 2016

Founders

Pratish GandhiFounder/CEO
Harshit VaishnavFounder

What OneFin does

Building a plug-and-play suite of APIs and lending tech stack to enable financial inclusion. OneFin is backed by marquee investors from Silicon Valley like Y Combinator, Khosla Ventures, etc. Leading NBFC, SFB and fintech companies in India are our users. We have enabled loan disbursement/migration of around $2B in last few years across more than 1 million loans across education loans, EV financing, business loans, credit line, 2 wheeler financing, personal loans, invoice discounting, and various other credit products.

OneFin's YC application, reconstructed

Y Combinator application

OneFin, Winter 2017 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

OneFin

Describe what your company does in 50 characters or less.

Shopify for Financial Services

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

We have built a plug-and-play API suite and lending tech stack that financial institutions use to launch credit products faster. Our platform handles loan disbursement, migration, and servicing across product types like education loans, EV financing, and business loans. It helps NBFCs, SFBs, and fintech companies streamline credit operations and reach underserved customers.

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

We live and work in Bengaluru, KA, India, and plan to continue basing the company here after YC.

Explain your decision regarding location.

Bengaluru has the fintech talent and a vibrant startup ecosystem, along with access to key customers like NBFCs and fintechs operating in India's credit market. Being local lets us build close relationships with lenders and tailor our product to their needs.

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 OneFin YC application?

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