How does the co-lending model impact the loan disbursement process?

The co-lending model streamlines the loan disbursement process by combining resources from traditional banks and fintech companies, allowing for faster approvals and funding. With banks handling regulatory and compliance checks, and fintechs leveraging technology for quick credit assessments, the model reduces processing times significantly. Once a loan is approved, funds are disbursed through a joint mechanism where each partner contributes a predefined share. This collaboration ensures efficient loan distribution, benefiting borrowers with quicker access to funds.

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