With the aim to break away from conventional banking and lending, Harshvardhan Lunia set out to build a fintech startup on the simple premise of putting all trust in the customer to repay. Since its inception, LendingKart, the fintech startup that provides working capital loans to SMEs and first-time borrowers has evaluated nearly half a million applications, disbursing 70,000+ loans to more than 55,000 MSMEs in 1,300+ cities across all 29 states and union territories of the nation.