What is B2B2C consumer finance?
B2B2C (business‑to‑business‑to‑consumer) consumer finance is a model where a platform partners with banks and NBFCs to offer EMI, BNPL or personal loans to end customers — while merchants remain the trusted face of the transaction.
Instead of a shopper juggling multiple loan apps, the retailer offers finance at the checkout counter. ZepCart is the invisible rail that connects the merchant, the customer and the lender in real time.
Why Indian retailers are switching to B2B2C EMI
Ticket sizes for electronics, appliances, two‑wheelers and lifestyle products have grown faster than household savings. A 2026 industry survey found 62% of shoppers now expect an EMI option before they walk into a store.
- Higher average order value — merchants see 28–41% AOV uplift after enabling EMI
- Faster checkout — paperless KYC completes in under 4 minutes
- Zero credit risk on the merchant — the NBFC underwrites the customer
- T+1 settlement — merchants receive net amount the next working day
How the ZepCart B2B2C stack works
ZepCart is a merchant‑first consumer finance operating system. Every lead you submit is routed to the best‑fit finance partner from our network of banks and NBFCs — Bajaj Finserv, HDB Financial, IDFC FIRST, Tata Capital, Hero FinCorp, TVS Credit and Home Credit.
The merchant portal handles onboarding, digital agreements, Aadhaar eSign, lead capture, document vault, settlement tracking and GST‑ready reports in one place.
The B2B2C advantage for tier‑2, tier‑3 and remote markets
Traditional lenders rarely reach beyond metros. B2B2C changes that. A local mobile store in Bhagalpur or a scooter dealer in Coimbatore can now offer no‑cost EMI backed by top NBFCs — the same experience a Croma outlet in Mumbai provides.
Frequently asked questions
Is ZepCart a lender?
No. ZepCart is a technology platform that connects RBI‑regulated banks and NBFCs with offline merchants. All lending, KYC and underwriting are performed by the partner financial institution.
Which product categories work best with B2B2C EMI?
Consumer electronics, smartphones, home appliances, EV two‑wheelers, furniture, healthcare devices, education services and lifestyle goods in the ₹5,000 to ₹5,00,000 range convert best.
How long does merchant onboarding take?
Merchants who complete KYC, agreement and registration fee in one sitting are usually live within 24–48 hours.
Want ZepCart at your store?
ZepCart onboards merchants by invitation. Talk to our team to activate no‑cost EMI, EV finance and consumer‑durable loans at your counter.
Request an invitation