FincFriends Raises ₹98.5 Crore in Debt: A Rising NBFC Company in Gurgaon Powers New-Age Lending

Introduction

In June 2025, FincFriends, a prominent NBFC company in Gurgaon and the lending arm of digital credit platform RupeeRedee, secured ₹98.5 crore in debt funding from other NBFC partners. This strategic fundraise will help expand their credit portfolio and strengthen financial inclusion across India's underserved segments.

Why This ₹98.5 Cr Raise Matters

Debt Over Equity: A Smarter Capital Strategy

FincFriends chose debt financing over equity—preserving control while accessing capital. This reflects confidence from NBFC peers in its underwriting and growth model.

Intra-NBFC Partnerships Reflect Market Trust

Raising capital from other NBFCs shows strong collaboration in the sector, enabling ecosystem-level risk sharing and liquidity access.

Gurgaon-Based, National Impact

Though based in Gurgaon, the NBFC is expanding its footprint in Tier 2 & Tier 3 cities, aiming to serve borrowers often excluded from formal banking channels.

What Makes FincFriends Stand Out?

A Digital-First NBFC Company in Gurgaon

FincFriends leverages RupeeRedee’s AI and data analytics to make real-time credit decisions—minimizing defaults and maximizing reach.

Key Features of Their Lending Model

Feature	Value Add
100% Digital Disbursement	Faster and paperless loans
Alternate Credit Scoring	Serves thin-file or new-to-credit users
Peer NBFC Debt Model	Stronger ecosystem trust
Controlled Cost of Capital	Higher ROI with no equity dilution

Industry Reactions

"FincFriends has shown how a tech-first NBFC company in Gurgaon can scale using sustainable debt and NBFC collaboration."— Kavita Sharma, Fintech Strategist

This raise strengthens confidence in the NBFC ecosystem, especially among those focused on retail lending and digital credit access. What This Means for the Lending Ecosystem

Fueling New-Age Lending Models

With ₹98.5 crore in new capital, FincFriends can:

• Launch new credit products like BNPL and small business loans

• Improve risk analytics and borrower segmentation

• Expand outreach in underserved districts

Expanding Credit Without Diluting Ownership

By raising debt instead of equity, FincFriends ensures:

• Operational independence

• Lower long-term capital cost

• Focused product roadmap without investor interference

The Road Ahead for This Gurgaon NBFC

What’s Next for FincFriends?

• Geographic Expansion: Focus on non-metro regions in North and Central India.

• Product Innovation: Likely to integrate micro-health insurance and loan protection bundles.

• Stronger Tech Backbone: Further automation in loan servicing, recovery, and KYC.
  

Why NBFC company in gurgaon Must Think Beyond Disbursement: Enter Loan Protection

Safeguard Your Loan Book with Xurance

💡 As you scale lending like FincFriends, don’t forget to protect your portfolio.Loan Protection Insurance ensures your capital is safe—even if borrowers face life events like death, disability, or job loss.

Benefits for NBFCs:

• Guaranteed repayment coverage

• Lower NPAs and improved credit quality

• Better customer trust and retention

👉 Xurance offers custom loan insurance for NBFCs, MFIs, and HFCs.Visit Xurance.in to explore Loan Protection Insurance plans.

Conclusion

FincFriends’ ₹98.5 crore debt raise is a testament to the power of smart, collaborative growth. As a digital-first NBFC company in Gurgaon, they are proving that with the right capital, tech, and risk safeguards, NBFCs can transform India’s lending landscape.