Vaibhav Vyapaar Ltd.

Incorporated in February 2009, Vaibhav Vyapaar Limited is a Non-Banking Financial Company (NBFC) that provides unsecured personal loans to salaried and self-employed individuals through a fully digital lending platform. The company extends personal credit under the "LoanFront" brand via its mobile application, which manages the entire lending cycle, including loan origination, customer verification, due diligence, underwriting, documentation, disbursal, and repayment. It has been operating its digital lending business through the LoanFront platform for the last six years. The company provides loans through direct lending as well as through co-lending arrangements with other NBFCs. In addition, it generates revenue by providing application and technology services to other NBFCs. Its technology-enabled lending model is supported by digital verification, credit assessment, credit decisioning, and risk evaluation tools. These lending operations primarily cater to salaried and self-employed borrowers, including first-time borrowers and lower-income salaried professionals across urban and semi-urban regions of India. CapFront Technologies Private Limited acquired the company in October 2019, after which it continued to expand its digital lending operations. The company is supported by an experienced management team with professional expertise in digital lending and financial services. As of July 31, 2026, its Assets Under Management (AUM) stood at ₹812.41 crore, with a net worth of ₹471.96 crore and a debt-to-equity ratio of 0.80. As of the same date, the company employed 56 personnel, comprising 17 employees in technology, 11 in operations, and 11 in risk functions.