Mumbai-Based Pulse Raises £100M to Accelerate SME Lending Growth in UK

Mumbai-based fintech innovator Pulse has secured a major funding boost of £100 million, marking one of the most significant growth accelerations for an India-founded financial services platform operating in the United Kingdom.

The fresh capital aims to supercharge the company’s SME lending operations across the UK, as Pulse positions itself as a rapidly emerging player in the alternative finance ecosystem.

The investment underscores the growing confidence global investors have in Indian-origin fintechs that demonstrate strong scalability, tech-driven underwriting models, and cross-border expansion capabilities.

With the UK’s small and medium enterprises continuing to face challenges in accessing fast and flexible financing, Pulse’s expansion arrives at a critical time for the market.

Pulse Strengthens Its Position in UK’s Alternative Lending Market

Founded in Mumbai, Pulse entered the UK market with a mission to streamline SME lending through powerful data analytics, automated credit assessment, and real-time decision-making tools.

Its approach stands out from traditional banks, which typically involve lengthy documentation processes and conservative credit evaluation systems.

With the newly raised £100 million, Pulse plans to:

• Expand its lending capacity to underserved SMEs

• Scale operations across major commercial hubs in the UK

• Enhance its proprietary credit assessment algorithms

• Strengthen partnerships with fintech aggregators and business platforms

• Hire more talent across technology, compliance, and risk management

This capital infusion positions Pulse to become one of the fastest-growing non-bank lenders serving small enterprises across retail, manufacturing, logistics, e-commerce, and service segments.

Addressing the SME Credit Gap With Tech-Driven Lending

Small and medium enterprises contribute significantly to the UK’s economic output, yet many face persistent gaps in accessing affordable, timely credit.

Traditional bank loans often involve a lengthy approval timeline, strict eligibility criteria, and a reluctance to support newer businesses or those with inconsistent cash flows.

Pulse aims to solve these barriers with:

Advanced Data-Driven Underwriting

Pulse integrates AI, financial analytics, alternative data sources, and behavior-based scoring to assess borrower risk more accurately. Its predictive models allow faster decisions while lowering default risks.

Quick Turnaround Times

SMEs can receive approval decisions in hours rather than weeks—a major advantage for businesses requiring urgent working capital.

Flexible Loan Products

Pulse offers revolving credit, invoice financing, working capital loans, and business expansion capital tailored to smaller enterprises.

With the new funding, the company plans to refine these offerings, introduce new financing models, and deepen its impact in the UK’s evolving fintech landscape.

Global Investors Signal Strong Confidence in Indian Fintech

Pulse’s £100 million raise highlights a broader trend: Indian fintech companies are gaining global visibility and trust.

Their strong technological foundations, cost-efficient operations, and innovation-centric products allow them to thrive in competitive international markets.

For Pulse, this funding round is more than financial—it represents a strategic milestone that validates its growth trajectory and its ability to scale responsibly in a regulated environment like the UK.

Plans for Future Expansion and Market Leadership

Pulse aims to leverage the investment not just for lending growth but also for deeper market penetration.

The company is expected to:

• Introduce SME credit education programs

• Launch digital dashboards that help businesses manage finances

• Offer embedded finance solutions through partners

• Strengthen fraud detection and financial security systems

• Pursue additional licensing for broader financial services

By expanding its digital infrastructure and regulatory compliance initiatives, Pulse is preparing to evolve into a full-stack SME financial services provider.

Conclusion: A Strategic Boost for India-to-UK Fintech Influence

Pulse’s £100 million funding round marks a significant milestone in cross-border fintech innovation.

As the company accelerates SME lending in the UK market, it reinforces the global rise of India-born fintech solutions and their ability to influence international financial ecosystems.

With strong investor backing, a robust technology stack, and a mission to close the SME credit gap, Pulse is poised to become a leading alternative lender in the UK—fueling growth, entrepreneurship, and economic resilience for thousands of small and medium businesses.