Yubi

Yubi is a leading fintech company redefining global debt markets by streamlining the flow of finance between borrowers, lenders, and investors.The company operates primarily in the financial services sector, focusing on digital debt solutions and credit marketplaces.

Core Products and Services

• Yubi Co.lend : Platform for banks and NBFCs to collaborate and co-lend to borrowers. It automates partner onboarding, credit assessment, and loan disbursal.
• Yubi Pools : Digital platform for securitization and portfolio management.it enables structuring, monitoring, and reporting of loan pools.
• Yubi DLP : End-to-end digital lending platform for financial institutions. It streamlines loan origination, processing, and management.
• YuVerse : Suite of data and analytics tools for financial decision-making. It provides actionable insights and seamless integrations for businesses.

Business Model & Revenue Streams

Yubi operates as a digital marketplace intermediary, connecting businesses with a vast network of lenders and investors to streamline the borrowing and lending process. Its business model is multi-faceted, with key revenue streams including:

• Platform Services: Commissions and fees for facilitating loan disbursals, credit assessment, and debt restructuring. 

• Collections Services: Revenue from digital debt collection campaigns, automated communication, and call center services

• Transaction Fees: Income generated from transaction volumes and assets under management (AUM), including interest and fees associated with managed assets.

• Merchant Banking: Yubi Securities, a subsidiary, offers merchant banking services in the domestic debt capital markets.

• SaaS and Data Solutions: Providing credit underwriting and risk assessment tools to financial institutions and corporates.