Our Borrowers

Tonik Digital Bank is the Philippines' first and largest credit-led digital bank, holding one of only seven BSP digital banking licences, delivering fully deposit-funded unsecured consumer and payroll credit to salaried Filipinos.

First Circle is the Philippines' only dedicated B2B SME fintech lender, delivering fast, fully digital revolving credit lines to small and medium businesses through proprietary credit underwriting supported by AI-enabled data extraction — processing applications in one day versus up to a month at local banks. Backed by the IFC (World Bank Group), Accion and Insignia Ventures, First Circle brings a decade-long track record and 60+ profitable loan vintages.

Founded in 2012, LF Tech is one of Kazakhstan's leading short-term and auto lenders, offering payday (PDL) and car loans through both a fully digital online app with minute-level approvals and a nationwide network of 200+ physical sales offices, backed by FY2021 net income of $10M (21% margin, 23% ROA) and a $40M loan portfolio with conservative 75% LTV on car-loan collateral.

Founded in 2018, Pulman is Uzbekistan's first foreign-owned microfinance organisation, regulated by the Central Bank of Uzbekistan, offering fully collateralised loans to rural entrepreneurs via 13 branches in 10 regions, with a US$10m portfolio, and 48% ROE.

Founded in 2017 and backed by Peak XV Partners, Yinshan Tech Group is a Singapore/Hong Kong-based digital consumer finance group offering unsecured short-term loans via AI-powered mobile apps across Indonesia (AdaPundi, OJK-licensed) and the Philippines (HappyCash, SEC-licensed). Nealry USD 200 mln outstanding loans from diversified funding sources and bank partnerships.

Founded in August 2022 in Tashkent, Hurma Lombard (Oltin Lombard LLC) is a Central Bank of Uzbekistan-licensed gold-backed pawn lender, offering fully-collateralised short-duration micro-loans (~USD 200 ticket, 30-45 days, ~109% APR) against physical gold jewellery across 50 branches, with USD 55M deployed since inception, zero credit losses to date and a 200-branch target by YE-2026.

A Czech non-bank financial institution and one of the largest non-bank short-term consumer lenders in Czechia, combining revolving unsecured credit lines with car-collateralized microloans, fully restructured under new shareholders and management in 2022 and growing its net loan book nearly fivefold from USD 2.1 mln to USD 10.3 mln by 9M 2024.

Founded in 2013, StikCredit is a Bulgarian non-bank consumer finance company licensed by the Bulgarian National Bank since 2016, offering non-collateralised short-term and instalment consumer loans predominantly online via its proprietary cloud-based platform, serving 43,000+ active customers with a 65% repeat-customer rate.

A UK-based online consumer finance company trading since 2014 under the "Moneyboat" brand (moneyboat.co.uk), an FCA-authorised non-bank lender offering short-term unsecured loans up to GBP 1,500 to underbanked UK consumers. Cumulative origination exceeds GBP 200M, with FY2026 turnover of GBP 40.0M (+41.8% YoY), GBP 3.4M profit before tax, and zero covenant breaches across 7 KILDE tranches.