Earn hands-off regular income with up to
11.5% return per year

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Investment into consumer and SME loans of the leading lending firms

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Regulated platform for alternative investments

Attractive regular income investments are reserved for professional investors. Individual investors are left with meagre returns that are not enough to cover inflation.

Kilde brings high-yield and low-risk regular income to people like you and us.

Your investment goes to leading consumer and lending firms. In return, they use your funds to give sustainable loans to underbanked consumers and SMEs.

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Invest in opportunities previously reserved for institutional investors with as little as $100

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Accredited and institutional investors
from 10+ countries

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Total amount invested

US$ 5,317,300

Average return

10.48% per year

Income deals

Leading consumer and SME lending firms empowering underbanked customers

Robocash makes innovations serve for the benefit of customers in everyday life since its launch back in 2013. Robocash is a financial group of companies providing robotic financial services in the field of alternative lending and marketplace funding across 9 markets globally.

Robocash strives to build financial ecosystem for the underserved to provide real financial empowerment. Over the years, the company has served more than 18.7 mln customers, issuing loans to cover unforseen expenses, medical expenditures and bill payments.
To date, Robocash has disbursed over 1.7 Bn USD worth of loans to customers, helping them build their credit history, while assisting in closing their financial needs .

Launched in December 2019, Atome empowers a new generation of digital-savvy, mobile-first consumers by giving them smarter access to their aspirations. Atome partners over 5,000 leading online and offline retailers across fashion, beauty, lifestyle, fitness and homeware, with services available in 9 markets across Southeast Asia and Greater China.

Atome's powerful AI enables savvy consumers to access a diverse range of lifestyle brands and services matched to individual passions and means. With flexible interest-free payments, personalised controls and a commitment to develop best-in-class features, Atome empowers its users to own their passions in their own time. In turn, merchants benefit from higher sales driven by new customers empowered across generations.

HPT Homecredit Indonesia (HCID) was founded in 2013 and is part of a leading global consumer finance provider operating since 1997. HCID is a market leader in its region. Supported by a robust in-house credit scoring and fully automated underwriting process, the company aims to lend responsibly to underserved consumers who have little to no credit history.

Group’s near-term strategy is to focus on accelerating digital offerings, increasing customer engagement, improving operational efficiencies, and concentrating on customer lifetime profitability.

Launched in 2020 in the Philippines, UnaPay provides "buy now pay later" installment plans for purchasing goods on the Lazada eCommerce platform. The loan amount ranges from 2,000 to30,000 PHP and is repaid via bi-monthly payments, with a repayment term of up to six months.

With its “salary loans” service UnaPay lets the UnaFinancial customers have early access to their money. An employee can apply for a salary-linked installment loan paid within a maximum of 12months. Alternatively, an employee can receive the money already earned before the actual pay day. In both cases the employer covers the repayment to UnaPay in full with the accrued interest.

Reevoy is an invoice factoring company supporting Indian exporters across 11 markets, with a mission to create tech-powered, quality-assured supply chains for fashion and home-décor between India and the world. Reevoy purchases confirmed invoices from Indian exporters and gets paid by retail chains operators in the USA and European Union. The Company has a highly automated underwriting workflow connected with customs systems in real-time.

Founded by ex. BCG, Deutche Bank, and Flixbus team, Reevoy has seen a rapid growth of the loan book since its launch in January 2021, and raised $4 million in a seed round earlier this year. Reevoy is technically integrated with Indian customs bureau and importers credit scoring agencies.

Stikcredit was established in 2013 to fill in an existing gap in consumer finance in Bulgaria and South Eastern Europe. The company has since grown to become one of the leaders in innovation in the market. Stikcredit is a consumer-centric company that focuses on speed, automation, and excellent customer experience. A comprehensive loan management system and sophisticated credit scoring models provide Stikcredit with a significant competitive edge in the region.

Evergreen Finance is an established and regulated online lending business operating in the UK for nearly a decade, issuing personal loans through the brand Moneyboat.co.uk. Leveraging on big data and analytics, the Evergreen promotes responsible lending and financial inclusion with a rigorous focus on risk management while keeping an organic growth of the business.

The majority of the customers are UK residents, typically working-class individuals, who are unable to access short-term credit from banks in a timely and convenient manner. These underbanked customers become clients of Evergreen to meet unexpected expenses or household bills, gifts, holidays.

Singaporean fintech providing easy and highly accessible financing for personal mobility, and the vision to become the biggest personal mobility solution provider in Southeast Asia.

Established in 2018, Fundbox aims to support the purchase of mobility devices especially by the people performing delivery services using  frictionless platform. The Company is extremely involved in the community ecosystem and promotes strong and ethical collection principles.

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