Заявка BharatX в YC

Winter 2022Acquired

BharatX прошел Y Combinator в потоке Winter 2022 как компания из сферы Fintech. Ниже: чем занимается компания, кто ее основал, и ее заявка в YC, реконструированная вопрос за вопросом в реальной форме YC.

Поток YC: Winter 2022
Сфера: FintechCredit and Lending
Размер команды: 14
Статус: Acquired
Запущено: 2022

Фаундеры

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

Чем занимается BharatX

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.

Заявка BharatX в YC, реконструирована

Заявка Y Combinator

BharatX, батч Winter 2022. Реальные вопросы из анкеты, ответы из публичных данных.

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 еще ответ в полной заявке

Founders, Progress, Idea, Equity, Curious, Batch Preference находятся в полной версии. Создайте бесплатную учетную запись, чтобы открыть ее в YC Insights, рядом с каждым другим потоком YC.

Смотреть полную заявку

Часто задаваемые вопросы

Это реальная заявка BharatX в YC?

Нет. Y Combinator держит поданные заявки в приватности. Это реконструкция: реальные вопросы формы YC, ответы на которые основаны на публичных данных BharatX (заметки о запуске, бэкграунд фаундеров, описание продукта). Это показывает, как компания вроде BharatX представила бы себя YC, а не текст, который они подали.