Trying to Solve Per-Payment Terms on Loans

We run a platform that works with SME'S , MSME's (can't disclose more on what kind, but like any transaction have buyers and sellers), have active 3 lakh users. The amount transacted is above 150+ crore every month. We realised that these SME'S and the sellers have a lending cycle with the seller every 7-14 days. Got some queries for lending (Because these businesses run of cash flow), after in-depth research, we just realised the immense potential we have if we start lending to them (both the buyers & sellers - by lending + invoice discounting). We already have all the data points since these users have been with us for a very long time. What does the fintech community think, should we add the fintech-lending to our business? (P.s.: Initial Projections show we start making 12-15 Crore net profit, after launch at 50% utilisation)

Hey all, I have noticed that there are a lot of cash backs and rewards platform which make us spend on other products rather than being useself to clear of my loan or just receive it back in my bank. I’m solving this. We help reduce the number of Emis you have to pay with help of rewards earned from any of your daily shopping. Yes, even the kirana next to your house. We convert all these reward points and coupons collected via any online brand to cash to pay off your emi. We are at https://www.emiswift.com

Hey all, I have noticed that there are a lot of cash backs and rewards platform which make us spend on other products rather than being useself to clear of my loan or just receive it back in my bank. I’m solving this. We help reduce the number of Emis you have to pay with help of rewards earned from any of your daily shopping. Yes, even the kirana next to your house. We are at https://www.emiswift.com. Let me know if we could help.

Hey Grapeviners, I need help from all the experienced folks out there. I and my father have 2 loans: 1. Educational Loan EMI - ₹6500/month for 15 years (₹ 7 lakh loan) 2. Home Loan EMI - ₹22500/month for 9 years (₹ 17.5 lakhs loan) I am 22 and started my full-time career this month and wanted to understand how to repay 2 loans along with my father quickly with less financial burden. (I am the only child) My expenses - 1. Paying Home Loan EMI - ₹ 22500/month 2. Investments - ₹ 30000/month 3. Petrol - ₹ 5000/month 4. Miscellaneous - ₹ 5000/month 5. Left with - ₹ 20500/month (lumpsum) Should I create an emergency fund for myself first with the remaining amount or what else should I do, totally blank in this case? My father looks after the household expenses, education loan, and his own investments. Not sure, how much he is left with at the end of the month as I am not aware of his income. (He has a private job) P.S. - 1. I spend consciously and don't have a bad spending habits. I love to drive (bought a car myself in Dec 2022) and climb mountains, so I manage to do treks every 3 months. 2. I am rigid about my investment amount, so may not compromise on that part. Would be forever grateful, if I get some helpful suggestions.