Yubi
Yubi (formerly CredAvenue) is an India-headquartered AI-powered digital credit marketplace connecting over 17,000 enterprises with 29+ MENA banks and 25+ UAE mortgage lenders across the full debt lifecycle — from bond distribution and co-lending to collection and analytics.
- Company typePrivate
- Founded2017
- HeadquartersChennai, India
- Headcount1,001–5,000
- GTM typeB2B
- OfferingSoftware
What Yubi does
Yubi (formerly CredAvenue), founded in 2020 and headquartered in Chennai, India, is an AI-powered digital credit marketplace that connects loan-seeking enterprises with lenders, investors, and financial institutions. The platform operates across the full debt lifecycle — origination, distribution, servicing, and collection — serving over 17,000 enterprises and having cumulatively facilitated over ₹3.2 lakh crore in debt transactions. Its core product line spans multiple sub-brands: the Yubi platform for credit marketplace facilitation, Aspero for bond distribution, Co.Lend for co-lending and loan management, Yuva for credit programs, YuCollect/Spocto X for debt collection, Yubi Mortgage in the UAE, and the Corpository/FinFort credit analytics subsidiaries.
Yubi's technology layer applies AI and machine learning for document classification, eligibility assessment, real-time application tracking, and predictive credit analytics. The platform runs on CockroachDB distributed SQL infrastructure and integrates with 25+ UAE mortgage lenders and 29 banks across the MENA region. Revenue is generated through marketplace commissions on debt transactions, transaction fees on bond distribution via Aspero, and recurring subscription/enterprise fees for loan management and debt lifecycle infrastructure sold to financial institutions.
In FY25, Yubi reported ₹660 crore in revenue (36% YoY growth) and ₹22,600 crore in loan disbursements, but recorded a net loss of INR 416.1 crore, with adjusted EBITDA improving 55%. The company is expanding internationally into MENA (29 banks powered), Southeast Asia, and the US, with a ~$46.3M funding round in November 2025 led by EvolutionX Debt Capital, and is targeting an IPO around March 2027.
Yubi firmographics
Firmographics- Name
- Yubi
- Legal name
- Yubi Group
- Website
- https://www.go-yubi.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Yubi (formerly CredAvenue) is an India-headquartered AI-powered digital credit marketplace connecting over 17,000 enterprises with 29+ MENA banks and 25+ UAE mortgage lenders across the full debt lifecycle — from bond distribution and co-lending to collection and analytics.
- Ownership category
- akta.pro rank
Yubi industry classification
Industry- Product category
- Digital Credit Marketplace
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
- akta.pro secondary industry
- Distressed Credit, Recovery & Restructuring (Crypto Loans) (FSADAFAO)
Keywords
Where Yubi is headquartered
LocationHeadquarters
- HQ city
- Chennai
- HQ country
- India
- HQ region
- Asia
Offices3 records
Markets served
Yubi business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Debt marketplace facilitation: Yubi operates a digital credit marketplace connecting borrowers with lenders, facilitating debt transactions and generating revenue through transaction fees and commissions
- Bond marketplace: Platform facilitates bond marketplace operations through Aspero, enabling distribution of non-convertible debentures to investors
- Loan management platform: Provides end-to-end loan management and debt lifecycle solutions to financial institutions
- Bond distribution: Online bond distribution platform for listed corporate bonds, accounting for significant NSE transaction volumes
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Yubi product offering
Product offeringCore offering
Yubi operates a fully integrated, AI-powered digital credit marketplace that connects loan-seeking businesses with investors and financial institutions to discover, trade, execute, and fulfill debt solutions. The platform spans the entire debt lifecycle including credit marketplace facilitation, bond distribution (Aspero), co-lending (Co.Lend), debt collection (YuCollect/Spocto X), and B2C mortgage origination (Yubi Mortgage in UAE), serving more than 17,000 enterprises and powering 29 banks in the MENA region.
Product overview
Yubi operates as a fintech infrastructure company offering a comprehensive debt marketplace platform with multiple integrated products. The core CredAvenue platform serves as an AI-powered digital credit marketplace, complemented by specialized sub-brands including Aspero (bond distribution), Co.Lend (loan management), Yuva (credit programs), YuCollect/Spocto X (debt collection), and Yubi Mortgage (UAE mortgage services). The company also maintains subsidiaries like Corpository for credit analytics and has expanded internationally into the UAE with mortgage offerings. Yubi connects loan-seeking businesses with investors and financial institutions, providing solutions like bond marketplaces and financing options.
Differentiator
Problem solved
Functional benefit
Products and services
- Yubi (formerly CredAvenue) Digital Credit Marketplace
- Aspero
- Co.Lend
- Yuva
- YuCollect / Spocto X
- Yubi Mortgage
- Corpository
Quantifiable outcome
- Over ₹3.2 lakh crore in debt transactions facilitated
- +5 more outcomes
Companies that use Yubi
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
Yubi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability5 records
Feature4 records
Yubi partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered flagship and core.
- Ora DevelopersflagshipOra Developers partnered with Yubi to develop an AI-driven mortgage ecosystem in the UAE, modernizing home financing processes. The platform enables buyers to receive and compare competitive mortgage proposals from over 25 leading UAE banks through a single application process.
- DRA HomescoreChennai-based DRA Homes partnered with Yubi to establish a Rs 250 crore secured debt platform for residential land acquisition. The platform is structured as secured NCDs, with Aspero enabling capital market access and Yubi handling structuring, issuance, and distribution.
- NBF (National Bank of Fujairah)coreNBF and Yubi announced partnership at GITEX Global 2025 to accelerate digital trade and supply chain finance for UAE businesses, strengthening Yubi's presence in the MENA banking sector.
- Ajman BankcoreAjman Bank partnered with Yubi MENA to support business banking customers, expanding Yubi's banking partnerships in the UAE market.
- Cockroach LabscoreYubi partnered with Cockroach Labs to transform India's credit infrastructure, leveraging their distributed SQL database technology for scale and reliability of the credit platform.
- FinnablecoreFinnable-Yubi-SFB partnership that doubled loan volumes in six months, demonstrating successful partnership lending model implementation.
- FinFort Infotech LLPcoreYubi acquired 100% stake in FinFort Infotech, a Bengaluru-based digital credit analytics firm for retail segments. The acquisition expanded Yubi's product offerings and capabilities, integrating FinFort into its group and collaborating with subsidiary Corpository.
Scale indicators12 records
Recent moves7 records
Expansion highlights7 records
Yubi competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key highlights7 records
Customer concentration
Yubi social profiles
Digital presenceYubi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yubi leadership team
Management profileNumber of profiles
Profiles11 records
Yubi subsidiaries and ownership
Company hierarchySubsidiaries6 records
Yubi funding detail
Funding detailFunding overview
Funding rounds5 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yubi M&A and investment
M&A and investmentM&A3 records
Investments8 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yubi
What does Yubi do?
Yubi operates a fully integrated, AI-powered digital credit marketplace that connects loan-seeking businesses with investors and financial institutions to discover, trade, execute, and fulfill debt solutions. The platform spans the entire debt lifecycle including credit marketplace facilitation, bond distribution (Aspero), co-lending (Co.Lend), debt collection (YuCollect/Spocto X), and B2C mortgage origination (Yubi Mortgage in UAE), serving more than 17,000 enterprises and powering 29 banks in the MENA region.
Is Yubi a public or private company?
Yubi is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yubi founded?
Yubi was founded in 2017. It employs 1,001 to 5,000 people.
Where is Yubi based?
Yubi is headquartered in Chennai, India, in the Asia region.
How does Yubi make money?
Four revenue lines are on record. Debt marketplace facilitation is the primary driver. The others are bond marketplace, loan management platform and bond distribution.
Does Yubi have an API?
No public API is recorded for Yubi.
What industry is Yubi in?
Yubi's product category is Digital Credit Marketplace. Its primary akta.pro industry code is FSADAFAJ, Credit Marketplaces, Aggregators & Loan Routing, with a secondary code of FSADAFAO, Distressed Credit, Recovery & Restructuring (Crypto Loans). Its NAICS code is 5223 and its SIC code is 6163.