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

 Its innovative platform suite includes:

• 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.

Customer Segmentation

Yubi serves a diverse client, including enterprises (B2B), banks, NBFCs, fintechs, and other non-bank financial institutions. Its solutions cater to both large corporations and underserved segments, such as through co-lending partnerships with microfinance institutions.

Growth Strategy

Yubi’s growth is driven by:

• Product Innovation: Continuous expansion of its product suite, including supply chain finance, real estate, and infrastructure financing.

• Strategic Partnerships: Collaborations with major banks and fintechs to broaden market reach and product offerings.

• Acquisitions: Inorganic growth through acquiring complementary businesses like Spocto and Corpositor

• Technology Investment: Heavy investment in AI, machine learning, and data science to enhance platform autonomy and efficiency.

Competitive Differentiation

Unlike traditional lenders or single-product fintechs, Yubi offers an integrated, technology-driven platform covering the entire debt lifecycle. Its scale, breadth of products, and focus on transparency and data-driven decision-making set it apart from competitors. Yubi’s omni-channel presence and customer-centric approach further enhance its market position.

Conclusion

Yubi has rapidly emerged as a leading technology platform transforming India’s corporate debt market. By seamlessly connecting borrowers, lenders, and investors, Yubi streamlines every stage of the debt lifecycle with advanced digital solutions. Its robust product suite and AI-powered tools drive efficiency, transparency, and compliance across lending, securitization, and collections. With a mission to democratize access to capital, Yubi continues to foster inclusive growth and set new standards in financial innovation.