BharatX YC 申请

Winter 2022Acquired

BharatX 在 Winter 2022 批次的 Y Combinator 中作为一家 Fintech 公司进行过。以下是：公司做什么、谁创立了它，以及其 YC 申请，按照真实 YC 表格逐题重建。

YC 批次: Winter 2022
行业: FintechCredit and Lending
团队规模: 14
状态: Acquired
已发布: 2022

创始人

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

BharatX 做什么

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 的 YC 申请，重建版

Y Combinator 申请

BharatX，Winter 2022 期。来自公开数据的真实申请问题解答。

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 更多回答在完整申请中

Founders, Progress, Idea, Equity, Curious, Batch Preference 包含在完整版中。创建免费账户即可在 YC Insights 中打开，紧邻每个其他 YC 批次。

查看完整申请

常见问题解答

这是 BharatX 的真实 YC 申请吗？

不是。Y Combinator 对提交的申请保密。这是重建版：使用 BharatX 的公开数据（发布笔记、创始人背景、产品描述）回答真实的 YC 表格问题。它展示了像 BharatX 这样的公司会如何向 YC 自我介绍，而不是他们提交的文本。

BharatX 是哪个 YC 批次的？

BharatX 是 Y Combinator Winter 2022 批次的成员。

谁创立了 BharatX？

BharatX 由 Mehul Jindal, Shyam Murugan, Eeshan Sharma, Siddharth Venu 创立。

BharatX 做什么？