Lorien Finance — Study-Abroad Education Loan Platform

1. What is Lorien Finance?

Lorien Finance is a cross-border fintech platform that connects Indian students to education loans from international and Indian public/private lending partners. It’s designed to simplify access to study-abroad funding and services—all in one. Founded by Nikhil Mudgal, who drew on his investment banking experience to build a student-first, technology-enabled lending solution.

2. Core Services & Unique Features

Education Loans Without Collateral or Co-Signer

• Offers loans to students even without collateral or an Indian co-signer.
• Features ultra-low interest rates—with reports as low as 3.49%, depending on lender and profile.

Transparent, Fast, and Holistic Process

• Streamlined digital application with near 3-day turnaround for sanctioning.
• No forex fees, no hidden charges, and no prepayment penalties.

Beyond Loans — Full Study-Abroad Support

• Assists with USD bank account setup, test bookings (TOEFL/GRE) via ETS partnerships, accommodation, visa, insurance, international debit cards, and more.

Extensive Global Partner Network & AI Underwriting

• Taps into a lending pool exceeding \$3 billion, spanning 17+ international lenders, including players like Sallie Mae.
• Uses AI to assess future earning potential—not just credit history—for more inclusive loan decisions.

3. Impact & Market Reach

• Secured \$2.25M in pre-Series A funding led by global venture partners in February 2025.
• Within weeks of launch, received \$75M+ in loan applications, signaling strong demand.

4. Benefits At a Glance