Entitled Solutions, a Mumbai-founded fintech and benefits platform, is changing how low-income workers across India access essential financial and healthcare services. The company partners with employers and gig platforms such as Swiggy and Domino’s to provide salary advances, personal and medical loans, health insurance plans, savings tools, government scheme enrollment, and rewards. All services are delivered through mobile and WhatsApp-based interfaces designed specifically for workers who are new to formal finance.
Smartphones, Not Branches
Entitled’s mobile-first approach eliminates the need for traditional bank visits or complex paperwork. Employers can share workforce data via a simple API or manual upload. Within 48 hours, workers are enrolled and can access services through WhatsApp, web, or voice platforms. The system works without passwords and adapts to regional languages, allowing users to apply for credit or insurance with ease and speed.
Financial and Health Security for the Working Class
Entitled offers a bundled solution to the everyday financial stress faced by workers in India’s informal economy. Users can access salary advances and short-term loans, which are repaid directly from wages. This structure reduces reliance on high-interest informal lenders. On the healthcare side, users are covered for outpatient and hospital expenses, and they can access telemedicine consultations without needing to miss work or travel long distances.
The platform is used by gig workers, domestic staff, factory workers, and other blue-collar segments who typically do not have access to insurance or financial planning tools. By integrating both financial and healthcare support, Entitled helps workers manage emergencies and plan for the future.
Results That Speak for Themselves
Since its founding in 2019, Entitled has served tens of thousands of workers across Mumbai, Delhi, and other major cities. The company has disbursed over ₹100 crore in loans while maintaining a default rate below 2 percent. Employers using the platform report better employee retention, fewer sick days, and higher satisfaction across their workforce.
Built for Scale and Inclusion
The platform requires no upfront cost from employers and is operational in under 24 hours. Monthly usage analytics are shared to ensure transparency. Entitled also uses alternative data to evaluate creditworthiness, which allows it to serve people without traditional banking histories.
By working directly with employers and designing for mobile-first access, Entitled removes nearly all the common barriers that low-income workers face when trying to enter the financial system.
Looking Ahead
Entitled plans to expand into smaller cities and rural markets, where formal financial services are still out of reach for most workers. New features under development include savings tools, access to government benefits, and financial literacy content to help users make long-term decisions for themselves and their families.
This startup is doing more than offering loans or health insurance. It is building infrastructure for economic dignity in a country where millions have been left out of the formal financial system for far too long.