Revolutionising Access to Vehicle Loans in Bharat

Dhankosh – Investor Pitch Deck

A comprehensive investor pitch deck project that transformed a complex, agent-driven lending ecosystem into a clear, scalable, and investor-ready fintech story.

Overview

Dhankosh partnered with Creative Nexus to structure and present their vision of becoming the largest distributor of used auto and commercial vehicle loans in Tier-2 and Tier-3 India. The goal was to clearly articulate the market opportunity, agent-led distribution advantage, and technology-driven execution to early-stage and growth investors.

The Challenge:

Dhankosh operates in one of India’s most fragmented and underserved credit markets — vehicle loans across Tier-2+ regions. While the opportunity is massive, the ecosystem is highly complex:

Majority of secured lending is sourced through agents
Long turnaround times, low approval rates, and poor transparency
Manual, multi-stakeholder processes involving agents, dealers, lenders, and RTOs
Credit-underserved and credit-unserved borrowers dominating the market

The challenge was to transform this operational complexity into a clear, investor-friendly narrative that demonstrated:

Why agents are the distribution backbone of secured lending
How Dhankosh builds network effects and loyalty
Where technology meaningfully improves trust, TAT, and income for agents
Why the CV + Used Auto segment is the right wedge to start with

The deck needed to balance market depth, execution clarity, and financial logic — without overwhelming investors.

Our Approach

We approached the Dhankosh pitch deck as a distribution-first fintech story, not just a lending platform.

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We reframed the problem around credit access gaps in Bharat, clearly mapping:

Credit-eligible vs credit-served populations
The ₹21Bn+ CV & used auto opportunity in Tier-2 markets
Agent dominance in secured lending across India and global benchmarks

This helped anchor Dhankosh’s relevance in a macro-validated opportunity rather than a niche fintech play.

Instead of positioning Dhankosh as just a borrower platform, we built the story around agent priorities:

Trust
Income
Turnaround Time (TAT)
Convenience

The deck clearly showed how solving these four levers unlocks.

We simplified a highly complex loan journey by:

Mapping the traditional manual flow vs Dhankosh’s tech-enabled process
Highlighting where APIs, rule engines, and automation reduce friction
Clearly separating MVP, Phase 1, Phase 2, and Phase 3 capabilities

This ensured investors could quickly understand what exists today and what scales tomorrow.

The Results

The final outcome was a clear, conviction-driven investor pitch deck that:

01 Positioned Dhankosh as a distribution-led fintech platform, not just a loan marketplace

02 Clearly articulated why agents are the moat — not a dependency

03 Demonstrated how technology compresses TAT, improves approval rates, and increases agent income

04 Presented a focused go-to-market starting with CV and used auto loans in Tier-2 India

05 Built strong confidence in the founding team’s execution capability and domain depth

Dhankosh now has an investor-ready narrative that aligns market opportunity, product strategy, and scalable economics — making it suitable for seed, pre-Series A, and strategic discussions.

Client Impact:

Creative Nexus helped us bring clarity to a very complex ecosystem. They understood the agent-driven nature of vehicle lending deeply and structured our story in a way that investors could immediately grasp. The deck today reflects not just our vision, but the scale and seriousness of what we’re building.