Reach families ready to finance their care
Pregacoach connects RBI-regulated NBFCs to consenting families planning delivery, IVF and paediatric care. Strong applications, secure integration, and a clean compliance posture under the RBI Digital Lending Guidelines, 2022.
A clean, compliant origination channel
A high-intent borrower pipeline
Applications come from families actively planning a delivery, IVF cycle or paediatric care — pre-qualified against your eligibility filter before they ever reach you.
Structured, ready-to-process
Each application carries the personal, employment and KYC fields you need, captured with explicit consent. No manual re-keying, no fragmented document trails.
Compete on offer quality
Multiple NBFCs see the same eligible application. You win on rate, tenure and processing experience — the way it should be.
Secure event delivery
Stripe-style HMAC-signed webhooks with replay protection. Optional mTLS for high-value flows. Secret rotation with grace period.
Disbursement that fits
Direct-to-hospital or to-patient. UTR and disbursement metadata captured for audit. We surface it to the patient automatically.
Read-only repayment ledger
Post per-EMI events and we keep the patient’s view up to date. You stay the system of record. We never collect from your customers.
Compliant disclosures
Each offer carries your Key Fact Statement, RBI registration number and grievance officer details. Patients see them before accepting.
Funnel reporting
PENDING → APPROVED → ACCEPTED → DISBURSED by month, product and region. Spot drop-offs, tighten pricing, scale what works.
Built for steady growth
Reach. Approve. Disburse. Renew.
Pregacoach isn’t an aggregator scraper. It’s a marketplace where high-intent borrowers meet RBI-regulated NBFCs that match their need.
Quality, not noise
Eligibility filters mean only applications that match your product reach you. Less time triaging, more time approving.
Frictionless customer experience
Patients apply once, compare offers, pick yours. A clean consent flow means fewer drop-offs between application and acceptance.
Integrate at your pace
Start with the portal inbox; move to webhooks when your stack is ready. Both work side by side, so onboarding is never blocked.
Build long-term referral flow
Happy borrowers refer family and friends. Verified offer cards plus public lending-partner listings build the kind of presence that compounds.
Eight sections covering compliance, products and integration
Most NBFCs are live within three to five business days, including verification of RBI registration and compliance documents.
- 01
Company information
Legal name, NBFC type, RBI registration number, incorporation date, registered address and operational regions.
- 02
Contact details
Primary contact, customer support email and phone, grievance officer, finance contact, plus a tech contact for webhook integration.
- 03
Loan products
For each product: name, use cases, min/max amount and tenure, interest rate type (fixed/variable/floating), processing fee and prepayment policy.
- 04
Eligibility criteria
Per product: minimum income, credit score, employment types accepted, age bracket, and required KYC documents.
- 05
Required documentation
Specify which documents the applicant must upload. We capture them with consent and route them only to NBFCs matching the use case.
- 06
Application process
Average processing, approval and disbursement turnaround. Whether you support direct-to-hospital disbursement and the modes you offer.
- 07
Support & grievance
Grievance officer name, email, phone, target turnaround time and your internal escalation matrix.
- 08
Compliance & certifications
RBI registration certificate, latest audit reports, ISO/compliance certificates, with validity dates. We monitor expiry and prompt for renewal.
Integration on your terms
We support deep integration via signed webhooks, and a portal workflow for partners that prefer to start manually and grow into automation.
Outbound webhooks (Pregacoach → you)
loan_application.submitted, document_uploaded, application.cancelled, application.accepted_by_patient.
Inbound webhooks (you → Pregacoach)
loan_status_changed, docs_requested, loan_finalized, loan_repayment, loan_closure, grievance_response.
Signature scheme
Stripe-style header X-Pregacoach-Signature with timestamp + HMAC-SHA256, 5-minute replay window. Rotation supported with 7-day grace period.
Not webhook-ready yet?
Manage everything from the NBFC portal inbox until you’re integrated. Both modes work side by side.
Built for the RBI Digital Lending Guidelines, 2022
We hold ourselves to the LSP obligations under the RBI’s 2022 circular, and we expect partner NBFCs to maintain their end.
Pregacoach is a connection layer, not a lender
We operate under the RBI Digital Lending Guidelines, 2022 as a Lending Service Provider. We do not lend, underwrite, process KYC, disburse or collect EMIs. All loan processing and servicing is yours.
Transparent disclosures
Each offer card shows your name, RBI registration number, all-in cost, validity and grievance officer contact.
Key Fact Statement
We host your KFS URL or render it from offer fields you provide. Patients see the KFS before final acceptance.
Grievance pathway
Patient grievances follow your grievance officer first; unresolved cases escalate to the Pregacoach compliance team and finally the RBI Ombudsman.
What partner NBFCs ask before joining
- We connect, we don’t lend. Pregacoach collects a consented application from a patient, routes it to NBFCs matching your eligibility filter, surfaces approved offers back to the patient, and reflects repayment events you post for the patient’s convenience. We do not lend, do not underwrite, do not process KYC, do not disburse and do not collect EMIs. Every commercial step happens on your side.
Partner with Pregacoach
Apply to join the NBFC partner network
A Pregacoach NBFC Manager will set up verification, contracts and sandbox webhook tests, and answer anything specific to your portfolio.