Zype Secures ₹90 Crore in Series B Funding

Credit-focussed fintech platform Zype has raised ₹90 crore in a Series B equity round led by Japanese venture capital firm UNLEASH Capital Partners, with participation from existing investor Xponentia Capital. Investment

banking firm Unitus Capital acted as the exclusive advisor to the transaction.

Founded in 2023, Zype offers AI-driven, need-based credit solutions for salaried individuals, primarily from Tier 2 and Tier 3 markets. According to the firm, the fresh capital will be deployed to expand its lending and payments product suite, deepen market presence, and continue investing in AI-powered operations.

The platform claims to have garnered over 8 million registered users and served more than 3 lakh borrowers to date. Zype said

it has clocked an annual disbursement run rate of ₹1,200 crore and recently closed FY25 with ₹367 crore in revenue, achieving operating EBITDA breakeven within just two years of operations.

“We are building an extremely credit-focused, new-age lending business. Even at our current scale, we’ve been fully profitable,” said Yogi Sadana, Founder & CEO of Zype. “This round is entirely for future growth. Expect some big announcements soon.”

The company now aims to scale responsibly while maintaining

profitability and strong governance, a stance that differentiates Zype in an industry often criticised for high cash burn and poor risk controls, it added in a statement.

Xponentia Capital, which led Zype’s ₹146 crore Series A round, doubled down on its investment in this round. Perumal Srinivasan, Managing Partner at Xponentia Capital, added: “Less than 15% of the raised capital was used for building the business, the rest was leveraged to build a high-quality lending book.”

“Zype has leveraged

lessons from early entrants and chosen a disciplined, late-mover strategy to great effect,” added Natsuki Sugai, Founder & Managing Partner at UNLEASH. “Achieving profitability in under two years is a testament to their operational excellence.”

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