BharatX YCアプリケーション

Winter 2022Acquired

BharatXはWinter 2022バッチでFintech企業としてY Combinatorを卒業しました。以下：会社の事業内容、創業者、そして実際のYCフォームで質問ごとに再構築されたYCへの応募内容。

YCバッチ: Winter 2022
業界: FintechCredit and Lending
チーム規模: 14
ステータス: Acquired
ローンチ済み: 2022

創業者

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

BharatXの事業内容

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のYCアプリケーション、再構築済み

Y Combinator 申請

BharatX 様、Winter 2022 バッチ。公開データから回答された、実際のフォームの質問。

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.

フルアプリケーションで21件の追加回答

はフルバージョンにあります。無料アカウントを作成して、他のすべてのYCバッチの横にあるYCインサイトで開いてください。

申請内容全体を見る

よくある質問

BharatXの実際のYCアプリケーションですか？

いいえ。Y Combinatorは提出されたアプリケーションを非公開にしています。これは再構築されたものです。実際のYCフォームの質問に、BharatXの公開データ（ローンチノート、創業者経歴、製品説明）から回答しています。BharatXのような会社がYCにどのようにアピールするかを示しており、彼らが提出したテキストではありません。