FinBox, a Bengaluru-based fintech infrastructure company, has secured $40 million in Series B funding led by WestBridge Capital, with participation from existing investors A91 Partners and Aditya Birla Ventures.
The funding will accelerate FinBox’s mission to simplify credit distribution through technology, focusing on embedded finance, AI-powered underwriting, and contextual decisioning systems.
Founded in 2017, FinBox builds infrastructure for banks, NBFCs, and digital platforms to launch and scale credit products. Its offerings include:
-
A digital-first Loan Origination System (LOS) for omni-channel credit distribution
-
An alternate data underwriting suite enabling financial inclusion for new-to-credit (NTC) users
-
An enterprise-grade Business Rules Engine (BRE) that extends beyond credit decisioning
-
A partnership lending stack purpose-built for embedded finance use cases
By combining consent-driven data, AI-led risk assessment, and modular APIs, FinBox enables lenders to underwrite faster and with higher accuracy. For example, a small vendor accepting digital payments can now access same-day credit approvals without traditional paperwork or collateral, thanks to their digital transaction footprint.
With this fresh round, the company plans to expand integrations with public and proprietary financial rails, sharpen its AI models for risk and fraud detection, and bring instant, fair, and contextual lending to millions of new users.
“Credit is the most complex financial product, yet it is fundamental to growth. We want to make it fast, fair, and empowering,” said the FinBox founding team.
FinBox is positioning itself at the center of India’s embedded credit revolution, competing with fintech infrastructure providers while also collaborating with legacy financial institutions.
By: Arushi Agarwal
