Yubi
“Can a technology-first B2B platform become the de facto operating system for credit origination, risk, and collections across India's fragmented lending ecosystem?”
HQIndia
IndustryFintech / Lending
The story
Originally launched as CredAvenue, India's first enterprise debt marketplace, before rebranding to Yubi in 2022 to signal a broader ambition as an AI-powered operating system for financial services. The platform evolved from a pure credit marketplace into a full-stack infrastructure layer covering digital lending, supply chain finance, risk assessment, and collections. Yubi now positions itself as infrastructure for lenders and originators rather than a lender itself, operating India's largest 100:0 partnership lending platform with 750+ lenders and 100+ originators on board.
Product timeline
2021
Launched as CredAvenue, India's first enterprise debt marketplace connecting corporates, lenders, and investors.· lending
2022
Rebranded from CredAvenue to Yubi, expanding the platform beyond debt markets toward a full Financial Services OS.· pivot
2024
Published Partnership Lending Annual Report FY24-25 showing 10 crore+ loans issued (35% YoY jump) and 49% digital loan growth.· lending
2025
Positioned as AI-powered OS for Financial Services covering Lending OS, Risk Assessment OS, and Collections OS.· pivot
The stack
Lending
Yubi Credit Market (enterprise debt marketplace)Digital Lending Platform (DLP) — 100:0 partnership lendingSupply Chain Finance platformLending OS (AI-powered smart lending)Risk Assessment OS (credit intelligence)Collections OS (intelligent recovery)
Accounting gap: none