Ant Financials is a great role model: Flexiloans.com co-founder M Lunia

Our endeavour has been to serve deserving MSMEs that have hitherto been either unserved or underserved, said Lunia

Flexiloans.com, a digital lending platform, offers credit to micro, small and medium enterprises (MSMEs) which find it tough to tap into legacy institutional players. It uses digital tools to make good the lack of transparency and poor credit histories of borrowers. MANISH LUNIA, co-founder of Flexiloans, spoke to Raghu Mohan on its approach to the business. Edited excerpts:
 
How is your invoice-based funding solution different from working capital loans provided by banks for MSMEs?
 
Invoice-based financing and bill-discounting has traditionally been restricted to a few large enterprises and their suppliers or customers. Our endeavour has been to serve