In 2017, we asked ourselves a simple question: What if access to credit could be seamless, fair, and built for a digital-first world? 

The internet had already transformed the way we shop, travel, and communicate. Yet credit—the very system that keeps our lives running—was still waiting for its turn. 

Back then, lending was slow, complicated, and largely inaccessible. Borrowers were buried under paperwork and long wait times. Lenders, meanwhile, struggled with outdated systems, limited control, and rising fraud. We realized that if credit was to reach millions more people and businesses, the very infrastructure it ran on had to be reinvented. 

That one question became our north star and the belief became FinBox.  
 
Eight years on, FinBox powers the credit infrastructure behind some of the most trusted banks, NBFCs, and enterprises in India. Every API call we serve, every borrower we help underwrite, and every credit product launched on our stack brings us closer to a future where credit is smarter, faster, and fairer for everyone.  
 
Today we are excited to share a defining milestone in this journey. FinBox has raised $40 million in Series B funding, led by WestBridge Capital, with participation from our existing investors A91 Partners and Aditya Birla Ventures.  
 
Why we exist 
 
Credit is no longer something you apply for at a branch. Today, it’s embedded in the apps you use every day—whether it’s a kirana store restocking essentials with a small working capital loan, a young professional paying for a laptop in installments at checkout, or a delivery driver accessing an instant line of credit to cover vehicle maintenance. 

 
But making credit this seamless is far from simple. Lenders face the challenge of underwriting instantly, detecting fraud before it happens, and scaling operations—all while navigating complex compliance requirements. That gap between what borrowers expect and what lenders can deliver is exactly why we built FinBox. 

Over time, our platform has grown into the unseen engine powering credit for millions—enabling faster, smarter, and fairer lending across businesses and individuals alike. Today, it enables: 

3 million+ API calls every single day across our Embedded Finance stack  

50 million+ credit decisions every month through Sentinel, our AI-driven decisioning platform  

₹20,000 crore+ disbursed via 50+ banks and fintech partners 

2.5 million borrowers assessed monthly with DeviceConnect   

 
 
These numbers prove our infrastructure works. But for FinBox, they’re just the start—each API call and disbursal drives our vision of an intelligent credit layer powering the financial ecosystem for decades. This is why we exist. And this is why we keep building.  
 
What the latest funding means for us 
 
The $40 million in fresh funding gives us the boost to move faster and push forward with new tech innovations across all our product lines. At Finbox, we’re focused on three core priorities that matter most to our partners and to the future of credit.  
 
1. AI-first underwriting and fraud detection 
We’re strengthening Sentinel AI and building new alternate data models to help lenders make faster, smarter, and fairer credit decisions. 

 
2. Next-generation loan origination systems  
We’re expanding our loan origination system to support a broader range of credit products—so financial institutions can go live in weeks, not months. 
 
3. Global expansion 
The challenges we are solving are not unique to India. Credit infrastructure is a global need, and we are preparing to take FinBox to new markets while continuing to strengthen our offerings at home.  
 
 
 
Voices from the journey  
 
Our journey since 2017 has been guided by a clear conviction: the traditional credit system can be reinvented. Every decision we’ve made has brought us closer to building a platform that the next generation can rely on—one designed to make credit smarter, faster, and fairer. 

 
 
“This funding marks an important milestone in our journey to redefine credit infrastructure and intelligence for the next decade,” said the FinBox founding team – Rajat, Anant, Nikhil & Srijan. “With the trust of our customers and the backing of our investors, we are committed to building a global-scale fintech infrastructure company that is made in India. Our mission is to empower lenders to source better, underwrite faster, fight fraud more effectively, and extend fairer, more accessible credit to millions. We will continue to deepen our digital lending stack, launch new products, and expand internationally—while staying true to our vision of creating sustainable, world-class financial infrastructure from India for the world.” 
 
Our investors echoed this conviction.  
 
“FinBox has established itself as a product-first platform that addresses critical gaps in India’s credit ecosystem. Their modular architecture, data intelligence, and embedded applications create a strong foundation for scalable digital lending. At WestBridge Capital, we strongly believe FinBox is well positioned towards becoming an integral layer of India’s evolving digital credit infrastructure, and we are really excited to partner with them in their next phase of growth,” said Deepak Ramineedi (Partner, Westbridge Capital).  
 
Looking forward 

This milestone is not just ours alone. It belongs to our customers and partners who trust us with their credit journeys, to our investors who believe in our vision, and most of all, to the FinBox team that continues to build every day with relentless passion and purpose.  
 
With 130+partners and 2,000+ integrations, we’re already shaping the future of credit in India. The best is yet to come. From pioneering Account-Aggregator based underwriting that improves conversion by 35% and capable of reducing fraud by 45%, to exploring applications of AI, our sole aim is to make credit more inclusive, intelligent, and scalable.  
 
Series B is not the finish line. It is a checkpoint – one that gives us the fuel to move faster, think bigger, and deliver credible outcomes.  
 
Here’s to the next chapter of FinBox, and to crafting the future of credit, together.