Team StartupCity

• True Credits secures $75 million in debt funding from Community Investment Management to strengthen its capital base
• The capital will support expansion across new lending products, markets, and customer segments nationwide
• The company will deepen its focus on providing fair, transparent credit access to underserved and credit-invisible borrowers

Balancehero India, the parent company of digital lending platform True Credits, has raised $75 million in debt financing from Community Investment Management (CIM), a U.S. based institutional impact investor. The funding strengthens the company’s balance sheet and supports its next phase of growth in India’s fast-evolving fintech landscape.

True Credits operates as an RBI-licensed NBFC and offers loans through the TrueBalance app. The fresh capital will help the company expand into new markets, introduce additional lending products, and reach a wider base of underserved and credit-invisible customers. The company said the investment aligns with its mission of making credit fair, transparent, and accessible.

Over the past year, True Credits has seen strong traction, with monthly loan disbursals consistently crossing Rs 500 crore. The growth is driven by AI-led underwriting, disciplined risk management, and a compliance-first approach. The company said this has helped it maintain sustainable unit economics while scaling responsibly.

CIM has a long track record in impact investing. Since 2014, it has enabled nearly $18 billion in credit to over 12 million underserved borrowers across North America and emerging markets. The firm sees India as a key market for expanding responsible digital credit.

Balancehero said the partnership brings together its technology-driven lending model and CIM’s long-term impact-focused capital. The company believes the added liquidity will allow it to serve millions more borrowers while staying aligned with regulatory standards.

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The investment comes at a time when a large section of India’s population still lacks access to formal credit. By combining AI-driven systems with responsible lending practices, True Credits aims to play a larger role in improving financial inclusion at scale.

The company said the funding marks a major milestone as it prepares to grow its footprint and deepen its presence across India’s digital lending ecosystem.