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Point-of-Sale Instant Consumer Lending Platform

Point-of-Sale Instant Consumer Lending Platform

HappyEMI is a next-generation consumer finance company providing shoppers with instant financing at the point of-sale in-stores and online platforms making it Peopleless, Paperless financing platform. HappyEMI's has an edge over others through its data-driven approach that underwrites risk beyond credit score to reach broader consumer base by using alternative data points and has signed up major retail brands in categories such as Mobile, Consumer Durables, Home Improvement, & Car Accessories. HappyEMI monetizes through subvention from Manufactures and Retailers and financing charges from Consumers. HappyEMI helps its Retail Partners improve sales conversions, boost basket sizes, and increase customer happiness.


UI Designer

Abhiram Talluri

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Working as Product Manager at happyEMI

Suhas Gopinath

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Founder: Globals, enterprise cloud company founded at 14; Young Global Leader - World Economic Forum, ICT Board Member - World Bank; Co-Chair, FICCI
Total raised


Funded over

1 round

Latest round

Seed (Sep 2017)