How to Get a 10 Lakh Loan (Without Collateral)

From billing ledgers to building the backbone of Nepal's lending infrastructure.   Meet Santosh Tamrakar, Managing Director of IMS SOFTWARE PRIVATE LIMITED   a Nepali entrepreneur who turned a billing and inventory tool into one of the country's key players in digital lending and financial infrastructure.   In this episode of The Doers, Santosh shares his journey building IMS Software from the ground up - from the early grind of selling billing systems banks and businesses didn't think they needed, to developing KBL IMS Digital Lending, MSME credit tools, and dynamic QR systems that now power everyday transactions. We explore the invisible discipline behind fintech infrastructure, the trust battles behind data-sharing and lending decisions, and what it really takes to build something the market doesn't know it needs yet.   Whether you're a founder, a tech enthusiast, or someone who's ever taken out a loan through an app without a second thought, this conversation pulls back the curtain on the unglamorous engineering behind Nepal's financial systems.   ___________________________________________________________________________________________________ Want to become a video podcaster? Get info: https://becomeadoer.com/programs/become-a-video-podcaster?utm_medium=YT&utm_source=organic     If you love reading, don't miss our newsletter on Substack Link: https://substack.com/@doersglobal?     Want to join us live in the studio as an audience member? Fill out this form: https://forms.gle/xZi8yptyoxkkc6aa8     ✉ Reach out to us at partners@doersnepal.com    🎧 Listen on audio platforms:  https://www.podbean.com/eas/pb-32f7s-19cc50b    🎤 Host: Anup Ghimire Founder of The Doers LinkedIn: https://www.linkedin.com/in/anup-ghimire-9366aa5a/     👥 Guest: Santosh Tamrakar  Managing Director, IMS SOFTWARE PRIVATE LIMITED  Linkedin: https://www.linkedin.com/in/santosh-tamrakar-46837b45/   📲 Follow The Doers Nepal: Instagram:   / https://www.instagram.com/thedoersglobal/   Facebook:   / https://www.facebook.com/thedoersnepal/     🎬 Production Partner: Viewfinders Production Instagram:   / https://www.instagram.com/viewfindersstudio/?igsh=MWlseDV5azB3Y3lsMw%3D%3D#      This episode is brought to you by Become a Doer Instagram: https://www.instagram.com/becomeadoer_/  Facebook: https://www.facebook.com/BecomeADoer2026  Website: https://becomeadoer.com/programs/become-a-video-podcaster?utm_medium=YT&utm_source=organic    This episode is strengthened by Hama Steels Facebook: https://www.facebook.com/HamaIronandSteel Instagram: https://www.instagram.com/hamasteel/     Our ISP Partner: Vianet Communication Pvt. Ltd.    Need help building a high-quality podcast? They’ve got you covered – from set design and shooting to post-production and guest curation.   📸 Wedding Dreams Nepal Instagram:   /weddingdreamsnepal     Website: https://weddingdreamsnepal.com   📞 Call: +977 9813657889  #thedoersnepal #nepalientrepreneur #digitallending #imssoftware #nepalstartups #businesspodcast #technology #innovationnepal #techinnepal #billingsoftware #DynamicQR #thedoers #NepalPodcast