Credit Wise Capital raises Rs 200 crore funding round led by Trident Growth Partners

Credit Wise Capital, a Mumbai-based lending company focused on two-wheelers and small businesses, has raised Rs 200 crore in its first big funding round. 

The round was led by Trident Growth Partners, which invested Rs 120 crore.

This funding will help the company grow its two-wheeler loans, secured lending, and credit tools, especially in smaller towns (tier 2–4 cities).

The proceeds will be used to triple its total loan book in the next three years, offer more loan products and improve its tech systems.

Read also- Linkrunner raises Rs 5 Cr in pre-seed round led by Titan Capital

“We are thrilled to have Trident Growth Partners join us as a long-term strategic partner,” said Aalesh Avlani, Co-founder, Credit Wise Capital. “Their confidence in our vision reinforces our belief that credit access in small-town India is not just a market opportunity, it’s a structural need. 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.

Gurpreet Singh Sodhi, Co-founder, said, “We are delighted to welcome Trident Growth Partners as a strategic partner who shares our long-term vision. 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, combine with local insights and disciplined operations to create a transformative impact on the lending ecosystem.”

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About Credit Wise Capital

Founded by Aalesh Avlani and Gurpreet Singh Sodhi, Credit Wise Capital provides loans for two-wheelers and small businesses, with a presence in 215 cities across 10 Indian states.

It uses a ‘phygital’ model—a mix of physical branches and digital tools—to make borrowing easier for India’s growing middle class.

As of March 2025, the company manages ₹645 crore in assets (up from Rs 489 crore last year) and has a strong capital ratio of 31.2%.

So far, it has helped finance over 2 lakh two-wheelers, improving access to credit in smaller towns.

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