Our Role

We Help You to Lend or Borrow Money Effortlessly

What Landingmarts is?

Landingmarts is much more than a P2P marketplace where borrowers and investors meet. Apart from seamlessly coordinating the entire process of loan funding to loan repayment, it plays an important role in liaising with quality investors, screening and credit risk assessment of the loans, verification, proper documentation and loan monitoring. Each of these links is important and is diligently and carefully put together by Landingmarts to complete the process successfully. With the support from Landingmarts, we believe that even a person with little knowledge of lending can learn to transact with ease. However, we encourage our members to make their own informed decisions.

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Profile Verification

Landingmarts does the profile verification for each and every listing.

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We collect personal, professional and financial data and verify these to the best extent possible from all available data sources such as government databank, credit information bureau, social media etc. For borrowers, we may also conduct physical verification. We take all due care to safeguard the interests of both the borrowers and the investors through our stringent verification process.

Physical Verification

Landingmarts may also conduct physical verification of the borrowers to ascertain the veracity of the documents submitted.

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Physical verification may be carried out by Landingmarts or by a reputed agent impaneled by Landingmarts.

Agreements & Contracts

Landingmarts has drafted detailed loan agreements where utmost care has been taken to cover various scenarios along with suitable recourse.

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This loan agreement is signed post payment of requisite stamp duty which is borne by Landingmarts and hence, is legally enforceable in the court of law. In case, either party seeks to enforce the agreement at any time, Landingmarts also helps that party to seek legal opinion though at an additional cost as charged by the lawyer.

Credit Risk Assessment using Landingmarts Score Model

Landingmarts has an in-house underwriting team which does the credit analysis of each of the borrowers.

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Landingmarts has also developed a Credit Score Model which incorporates a number of parameters such as credit history, financial and another behavioral pattern of the borrower. Based on the detailed analysis, the underwriting team assigns a risk category (Landingmarts Risk Category) and provides an Landingmarts Recommended Interest Rate along with an Landingmarts Report for each of the loans. This acts as benchmark for both the borrowers and the investors to not only set the final interest rate but also to understand the risks associated with each of the loans.

Loan Funding and Disbursal

To complete the loan funding and disbursal process, Landingmarts collects the required documents such as PDCs, signed Loan Agreements etc.

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These documents can be submitted by the members from the comfort of their homes. In most of the cases, original copies are kept by Landingmarts. Scanned copies of documents are provided to the parties to ensure a seamless user experience without any worry for document management.

Landingmarts closely monitors the disbursement of funds to borrowers and assists both borrowers and investors in case of issues.

Loan Monitoring - Repayment & Collection

Landingmarts understands the importance of timely repayments, and hence, endeavors to keep full track of the loan repayment schedule and report any delay or default at the earliest.
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We also suggest a corrective action plan and assist in loan recovery and collection etc. if required. Our aim is to ensure seamless investing and borrowing experience.
Landingmarts closely monitors repayment from the borrowers and takes corrective action immediately in case of a delay in repayment.

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