Credit Wise Capital, a non-banking financial company focused on two-wheeler and MSME lending, has raised Rs 200 crore in its first institutional funding round, led by Trident Growth Partners.
Of the total capital, Rs 120 crore has been invested by Trident Growth Partners (TGP), a private equity firm focused on India’s consumption-led economy.
Mumbai-based Credit Wise Capital plans to use the capital to expand its secured loans and proprietary tech-enabled lending solutions across smaller Indian (Tier II to IV) cities. The funds will be deployed to triple Credit Wise Capital’s assets under management (AUM) over the next three years and strengthen its technology stack.
“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,” said Aalesh Avlani, Co-founder of Credit Wise Capital. “Our mission has always been to make credit simple, fast, and human.”
.thumbnailWrapper{
width:6.62rem !important;
}
.alsoReadTitleImage{
min-width: 81px !important;
min-height: 81px !important;
}
.alsoReadMainTitleText{
font-size: 14px !important;
line-height: 20px !important;
}
.alsoReadHeadText{
font-size: 24px !important;
line-height: 20px !important;
}
}
Credit Wise Capital specialises in two-wheeler loans and loans against property, and licenses its proprietary SaaS platform to other NBFCs. As of March 2025, the firm had an AUM of Rs 645 crore, up from Rs 489 crore a year earlier. The company said its capital adequacy ratio stood at 31.2% and it has financed over 200,000 two-wheelers to date.
Gurpreet Singh Sodhi, Co-founder of the lending company, said, “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.”
“Credit Wise Capital represents exactly the kind of founder-led business we look to back, deeply embedded in India’s consumption ecosystem, solving real-world problems with executional depth and tech-enabled scale,” said Atul Gupta, Managing Partner, Trident Growth Partners.
“We were particularly impressed by their hybrid distribution model, disciplined book quality, and commitment to credit inclusion across Bharat. As two-wheelers become economic lifelines in emerging India, Credit Wise sits at the intersection of mobility, affordability, and dignity,” he added.
Edited by Swetha Kannan
