Yubi has raised $46.4 million in new financing as the Chennai-based fintech platform pushes forward with an ambitious global expansion strategy. The round combines long-term structured debt from EvolutionX Debt Capital and fresh equity from Founder and CEO Gaurav Kumar. The company said the additional capital will fuel product innovation, deepen its reach across international markets, and enhance its AI-first infrastructure.
Details of the Funding Round
EvolutionX Debt Capital committed up to $38 million in a mix of structured debt and equity, marking one of its larger bets in India’s digital lending infrastructure space. Alongside this, Gaurav Kumar injected $8.5 million of additional equity, bringing his total personal commitment to more than $39.5 million. Yubi noted that this internal leadership investment reflects strong confidence in the company’s long-term growth trajectory.
Strategic Priorities and Global Expansion
Yubi plans to allocate a significant portion of the funding toward scaling its presence in Southeast Asia and the United States, where demand for digital credit infrastructure continues to rise. The company will also strengthen its existing foothold in the Middle East, which has become an increasingly active market for enterprise-grade fintech solutions. Yubi said that these expansions align with its broader objective of becoming a global debt marketplace powering structured finance across multiple regions.
Advancing the AI-Led Product Roadmap
The financing will accelerate Yubi’s AI-driven product development, particularly across its suite of debt lifecycle management tools. The company expects these enhancements to increase automation, improve risk modeling accuracy, and deliver operational efficiencies to lenders and enterprises. Yubi believes that its AI roadmap will play a central role in reducing friction across the credit ecosystem while creating new value for its growing international customer base.
Leadership and Investor Validation
EvolutionX Partner Rahul Shah said the firm invested because Yubi has demonstrated meaningful scale, strong technology, and a clearer path to profitability. He emphasized Yubi’s role in modernizing India’s credit ecosystem and highlighted the strength of its platform economics. Yubi said the round also reaffirmed support from an investor group that includes Peak XV, Lightspeed, Lightrock, TVS Capital Funds, B Capital Group, Dragoneer Investment Group, and Insight Partners.
Company Performance and Market Impact
Yubi has facilitated more than $36.2 billion in debt to date and currently works with 17,000 enterprises and nearly 6,200 lenders and investors. The company offers an end-to-end stack for debt discovery, underwriting, monitoring, and collections, claiming it reduces collection costs for customers by up to 57 percent. Despite rapid revenue growth, the company posted a $47 million net loss in FY25, although its adjusted EBITDA loss narrowed significantly to $7.8 million compared to the previous year.
Financial Results and Growing Revenue Base
Yubi’s operating revenue rose to $74.6 million in FY25, representing year-on-year growth of 36 percent. The company attributed the improvement to higher platform adoption across banks, NBFCs, and institutional investors managing multiple credit products. Yubi expects that its international growth efforts and AI-led efficiencies will continue to improve its financial outlook over the next fiscal year.
Yubi’s latest funding round signals strong conviction in its ability to scale a modern, technology-led debt marketplace across global financial hubs. With fresh capital from EvolutionX and increased personal investment from its CEO, the company is positioned to accelerate its expansion and deliver a more advanced suite of AI-powered credit infrastructure solutions. As Yubi deepens its international footprint, it aims to strengthen its role as a leading enabler of structured finance for enterprises and financial institutions worldwide.