{"id":569029,"date":"2025-07-08T08:08:08","date_gmt":"2025-07-08T07:08:08","guid":{"rendered":"https:\/\/ibsintelligence.com\/?post_type=ibsi_news&p=569029"},"modified":"2025-07-08T08:08:08","modified_gmt":"2025-07-08T07:08:08","slug":"credit-wise-capital-raises-24m-to-expand-retail-and-msme-lending-in-india","status":"publish","type":"ibsi_news","link":"https:\/\/ibsintelligence.com\/ibsi-news\/credit-wise-capital-raises-24m-to-expand-retail-and-msme-lending-in-india\/","title":{"rendered":"Credit Wise Capital raises $24m to expand retail and MSME lending in India"},"content":{"rendered":"

\"\"Capital to fuel expansion across two-wheeler financing, secured loans, and tech-driven credit enablement in Tier 2\u20134 Indian cities<\/em><\/p>\n

Credit Wise Capital<\/a>, a Mumbai-based NBFC specialising in two-wheeler and MSME lending, has secured an investment of approximately $14.5 million<\/strong> (\u20b9120 crore) from Trident Growth Partners, a private capital firm focused on India\u2019s consumption-driven growth.<\/p>\n

This investment marks Credit Wise Capital\u2019s first institutional round. It will significantly support the company\u2019s expansion in two-wheeler financing, secured loans,<\/a> and proprietary credit enablement solutions across India\u2019s underserved Tier 2\u20134 cities. The funding will also support the company\u2019s long-term ambition to become a category-defining credit institution across emerging India, with a sharp focus on affordability and tech-led efficiency in credit delivery.<\/p>\n

The fresh capital will be used to triple the company\u2019s assets under management over the next three years, expand its lending portfolio, and strengthen its technology infrastructure. As of March 2025, Credit Wise Capital reported an AUM of approximately $77.7 million (\u20b9645 crore), up from $59 million (\u20b9489 crore) in March 2024. The company’s capital adequacy ratio stood at 31.2%, with a gearing of 2.3 times, and the number of two-wheelers financed had exceeded 200,000.<\/p>\n

\u201cWe are thrilled to have Trident Growth Partners join us as a long-term strategic partner,\u201d said Aalesh Avlani<\/strong>, Co-founder, Credit Wise Capital<\/strong>. \u201cTheir confidence in our vision reinforces our belief that credit access in small-town India is not just a market opportunity, it\u2019s a structural need. This capital will enable us to reach more customers, strengthen our tech stack, and bring formal finance closer to those who have been excluded for too long.<\/p>\n

Gurpreet Singh Sodhi<\/strong>, Co-founder<\/strong>, added, \u201cWe are delighted to welcome Trident Growth Partners as a strategic partner who shares our long-term vision. Along with growth capital, TGP brings deep experience and strategic insight that will enhance our execution capabilities. Their investment reaffirms our belief in leveraging technology, combined with local insights and disciplined operations, to create a transformative impact on the lending ecosystem.\u201d<\/p>\n

With this partnership, Credit Wise Capital aims to scale its two-wheeler and MSME lending businesses, strengthen technology infrastructure, and continue building a simple, fast, and customer-first lending experience. The broader goal is to become an integral part of customers\u2019 financial journeys, enabling them to achieve aspirations through responsible and inclusive credit access.<\/p>\n","protected":false},"author":35621,"featured_media":569030,"parent":0,"template":"","categories":[11395],"tags":[50298,50297,12004,34768,28958,21391,35898,16157,18661],"class_list":["post-569029","ibsi_news","type-ibsi_news","status-publish","has-post-thumbnail","hentry","category-analytics","tag-capital-infusion","tag-credtwise-capital","tag-digital-lending","tag-digital-retailer","tag-fintech-funding","tag-fintech-news","tag-fintech-solutions","tag-msmes","tag-nbfcs"],"acf":[],"yoast_head":"\nCredit Wise Capital raises $24m to expand retail and MSME lending in India<\/title>\n<meta name=\"description\" content=\"This investment marks Credit Wise Capital\u2019s first institutional round and will significantly support the company\u2019s expansion in two-wheeler\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ibsintelligence.com\/ibsi-news\/credit-wise-capital-raises-24m-to-expand-retail-and-msme-lending-in-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Wise Capital raises $24m to expand retail and MSME lending in India\" \/>\n<meta property=\"og:description\" content=\"IBS Intelligence (IBSi) is the world\u2019s only pure-play Financial Technology focused research, advisory, and fintech news analysis firm, with a 30-year track record and clients globally. 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