Our Pride Mission
To become India's default financial operating system for small and medium businesses, putting governance on autopilot so founders can focus on building great companies.
We're Yobo-a team of fintech veterans, engineers, and business operators building the financial operating system that Indian SMBs deserve. Born from frustration with fragmented banking, powered by deep India-market expertise, designed for the way your business actually works.
In 2022, our founder Karthik was building Paywize and speaking daily with small business owners overwhelmed by banking chaos juggling multiple bank logins, delayed approvals, idle funds, and limited working capital.
The tools available were either too complex (built for enterprises) or too basic (consumer apps). Nothing was designed for India's 63 million SMBs.
So we built Yobo a financial operating system that gives SMBs visibility, automation, and control, without unnecessary complexity.
To become India's default financial operating system for small and medium businesses, putting governance on autopilot so founders can focus on building great companies.
We envision a future where every Indian SMB has enterprise-grade financial operations, regardless of size or budget. Where treasury optimization happens automatically, where approvals take minutes not days, where financial decisions are data-driven not gut-feel.
63 million SMBs deserve better than fragmented bankingIndia-specific compliance shouldn't be painfulFinancial operations shouldn't be a competitive disadvantage for small businessesGrowth shouldn't mean hiring more finance staffWe're Yobo-a team of fintech veterans, engineers, and business operators building the financial operating system that Indian SMBs deserve. Born from frustration with fragmented banking, powered by deep India-market expertise, designed for the way your business actually works.
63 M
SMBs deserve better than fragmented banking
63 SMBs
powering the future of business
Founder & CEO
Co-founder & COO
CSO & Advisor
Smart Financial Management
We understand Indian SMB challenges deeplyAccount Aggregator, GST, TDS-we speak your languageData stays in India, compliant with all regulationsOur platform offers robust tools tailored for startupsSimplified tax filing, funding options, and growth resourcesDedicated support to navigate your entrepreneurial journeyConnect with various financial systems effortlesslyReal-time data sync and automated workflowsDesigned to enhance productivity and reduce manual errorsBuilt from a simple idea, shaped by passion, and growing with purpose. That's the Yobo journey.
Karthik identifies SMB banking pain through PaywizeInitial research: 100+ SMB interviews across IndiaDecision: Build Yobo
Manufacturing Business Owner, Chennai
We were making sales but still felt short on cash. Yobo helped me understand where the money was going every month.
Retail Business Owner, Delhi
Earlier, I checked multiple bank apps every day. Now I open Yobo and see everything in one place. It saves a lot of time.
Wholesale Business Owner, Ludhiana
Vendor payments used to take too long. Now I know what needs to be paid and when. Things are much smoother now.
Service Business Owner, Mumbai
I am not from a finance background. Yobo makes it easy to understand my business money without confusion.
Distribution Business Owner, Ahmedabad
We had money lying in one account and didn't realise it. Yobo made it visible immediately.
Track, categorize, and analyze your spending in real time-whether you're managing personal finances or business budgets.