Who we are
Scorecare Solutions OPC Private Limited is an Indian technology company incorporated under the Companies Act, 2013 as a One Person Company (OPC) — a modern corporate structure introduced by the Ministry of Corporate Affairs specifically to give focused, founder-led ventures the full legal protection of a Private Limited company.
We build and operate ZepCart — a B2B2C consumer finance operating system that connects offline merchants with RBI-regulated banks and NBFCs. Our platform is used by EV scooty dealers, electronics showrooms, furniture stores, mobile retailers and appliance stores across India to offer no-cost EMI, standard EMI and BNPL at the point of sale.
Our mission
India has more than 60 million retail outlets, yet fewer than 8% of them can offer a formal EMI product at the counter. The remaining 55+ million shops lose sales every day because their customers cannot access credit at the moment of purchase.
Scorecare Solutions exists to close that gap. We believe every shopkeeper — whether they operate a 4,000 sq. ft. showroom on GS Road, Guwahati or a single-shutter store in a tea-garden township — deserves the same fintech infrastructure that a Croma or Reliance Digital enjoys.
Why an OPC structure
A One Person Company gives a single founder full legal separation between personal and business liability, professional-grade governance, and a clear conversion path to Private Limited as we scale. It signals seriousness to lenders, regulators and enterprise partners while keeping decision-making sharp and founder-led.
As mandated by the Companies Act, our OPC maintains a registered nominee director, files audited annual accounts, complies with ROC (Registrar of Companies) filings and is subject to the same corporate-governance standards as any Private Limited company.
What ZepCart does — powered by Scorecare Solutions
ZepCart is the flagship product of Scorecare Solutions. It is a merchant-first consumer finance stack that handles the entire lifecycle:
- Merchant onboarding — 7-step digital lifecycle with Aadhaar eSign
- KYC and document vault — RBI-aligned storage and audit trail
- Lead capture — instant lender routing across a curated NBFC panel
- Automated settlement — T+1 credit to the merchant's bank account
- GST-ready reporting — invoice, TDS and reconciliation exports
- Rural and remote-area coverage — every serviceable PIN code in India
Our technology stack
Scorecare Solutions runs on a modern, secure and horizontally scalable stack designed for the reliability that regulated financial workflows demand:
- TanStack Start + React on the frontend for a fast, mobile-first merchant experience
- Postgres with Row-Level Security for tenant isolation and data protection
- Aadhaar-based eSign via Signyu for legally binding digital agreements
- Signed-URL document storage with per-merchant access control
- Role-based access control (RBAC) with Super Admin, Admin, Finance and Support roles
- End-to-end audit logging on every merchant, lead and settlement action
- Encrypted-at-rest customer PII with strict access boundaries
Our NBFC and banking partnerships
Scorecare Solutions does not lend money — we operate as a technology service provider connecting merchants to RBI-regulated financial institutions. Our lending panel includes tier-1 NBFCs and banks with deep pan-India coverage: Bajaj Finserv, HDB Financial Services, IDFC FIRST Bank, Tata Capital, Hero FinCorp, TVS Credit, Home Credit India, L&T Finance and Muthoot Capital, among others.
Every lead submitted through ZepCart is routed to the best-fit lender based on ticket size, product category, geography and the customer's underwriting profile. All lending decisions, KYC verification and disbursement remain with the partner NBFC.
Governance, compliance and transparency
As a fintech operating adjacent to regulated lending, Scorecare Solutions holds itself to institutional standards even where they are not strictly mandatory for a technology service provider:
- Annual statutory audit by an independent Chartered Accountant
- ROC and MCA filings maintained current
- GST-registered and TDS-compliant
- Data privacy aligned with the Digital Personal Data Protection Act, 2023 (DPDP Act)
- RBI Digital Lending Guidelines (2022) followed for all customer-facing disclosures
- Master Direction on IT Governance (2023) principles applied to platform architecture
- Vulnerability scanning and dependency audits on every release
Where we operate today
Scorecare Solutions is headquartered in India and serves merchants across every state and union territory. We have particularly deep penetration in the North-East (Assam, Meghalaya, Tripura, Manipur), Eastern India (West Bengal, Bihar, Jharkhand, Odisha), and tier-2/tier-3 towns across Uttar Pradesh, Madhya Pradesh, Chhattisgarh, Rajasthan and the Deccan belt.
Our ambition is simple: any GST or Udyam-registered retailer, anywhere in India, should be able to onboard on ZepCart within 48 hours and start offering EMI to their customers the same week.
How to work with Scorecare Solutions
There are three primary ways to engage with the company:
- Merchants — request an invitation to onboard on ZepCart and start offering EMI at your counter
- Lenders — banks and NBFCs looking to expand consumer-durable disbursement can integrate with our lender API
- Enterprise partners — brands, distributors and OEMs can co-brand subvention programmes across our merchant network
The road ahead
In the next 24 months Scorecare Solutions plans to expand into insurance distribution (motor and gadget cover attached to EMI leads), warranty and protection plans, working-capital loans for its own merchant network, and a dedicated AI-driven credit-decisioning module co-built with lender partners.
Every product we ship is anchored in the same founding belief: financial infrastructure in India should not stop at metro city limits.
Frequently asked questions
Is Scorecare Solutions OPC Private Limited an NBFC?
No. Scorecare Solutions is a technology service provider (Lending Service Provider category as described in the RBI Digital Lending Guidelines, 2022). All lending, KYC verification and disbursement are performed by our partner banks and NBFCs, who are RBI-regulated.
What does 'OPC Private Limited' mean?
One Person Company (OPC) Private Limited is a corporate structure introduced under the Companies Act, 2013 that gives a single founder the full legal protection, limited liability and governance framework of a Private Limited company. An OPC is subject to statutory audit, ROC filings and MCA compliance.
Is ZepCart the same as Scorecare Solutions?
ZepCart is a product; Scorecare Solutions OPC Private Limited is the company that owns, builds and operates it. Merchant agreements, invoices and settlement statements are all executed by Scorecare Solutions.
How is customer data protected?
Customer PII is encrypted at rest, protected by tenant-scoped Row-Level Security in the database, and accessible only through signed URLs with per-role access control. Our data-handling practices are aligned with the DPDP Act, 2023 and RBI Digital Lending Guidelines.
Where is Scorecare Solutions registered?
Scorecare Solutions OPC Private Limited is registered in India under the Companies Act, 2013 and holds a valid Corporate Identification Number (CIN) issued by the Ministry of Corporate Affairs. GST and Udyam registrations are current.
How can I contact Scorecare Solutions?
Merchants can request an onboarding invitation from the ZepCart merchant portal. Lender, brand and enterprise partnership enquiries can be directed to the partnerships channel listed in the portal's contact section.
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