Our Borrowers

Akulaku is Southeast Asia's leading fin-tech platform, serving approximately 60 million users across several countries through digital lending and banking, and backed by prestigious investors such as Ant International, MUFG, and SCB. It is the leading digital lender and digital bank in Indonesia, with strong capitalization, delivering profitable, AI driven financial inclusion at scale.

Bichil Globus Finance NBFI is a Mongolian non-bank financial institution founded in 2008 and FRC-licensed in 2013. It serves individuals and SMEs across 16 urban branches in Mongolia with auto, real-estate, mobile-number-secured, and micro loans, plus trust and factoring services. Named Best NBFI of Mongolia in 2021 and 2022 by the NBFI Association.

Founded in 2014, Bull Capital is a Mongolian non-banking financial institution dedicated to expanding financial inclusion for individuals and SMEs across the country. Through 7 branches, Bull Capital offers Business, Automobile, and Express loans, alongside Trust and Bond investment products — backed by strong governance, ESG principles, and a commitment to responsible, professional service.

Founded in 2006 and headquartered in Tallinn, this pan-European consumer finance group operates as a licensed creditor across 8 markets (Estonia, Finland, Sweden, Denmark, Poland, Czech Republic, Spain and the UK), having disbursed over EUR 1 billion to 1.5M+ users, with FY2025 revenue of EUR 111M (+50% YoY) and 19 consecutive profitable years.

Founded in 2000 and headquartered in Poznań, Bocian is a Polish non-bank home-credit lender having disbursed over USD 1 billion across 1.9M+ loan agreements to 114k+ active clients, holding ~14% market share. FY2025 revenue reached PLN 305.7M (+26% YoY) with a return to net profitability of PLN 13.7M.

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.

A Singapore-based consumer finance company founded in 2018, operating under the "Fundbox" / "EASYRide" brand as a non-bank lender specialising in personal mobility financing (e-bikes, bicycles, PMAs and LEVs) across Singapore and Malaysia, with Indonesia next. The company has financed over SGD 5M across 4,700+ customers (100%+ YoY growth), with a 96.9% collection rate and nil net NPLs.

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, ~100% APR) against physical gold jewellery across 50 branches, with USD 20M deployed since inception, zero credit losses to date and a 200-branch target by YE-2026.

Estonia-based consumer finance group (est. 2008), operating via IuteCredit Europe AS and Luxembourg bond vehicle IuteCredit Finance S.à r.l., funded by senior secured Eurobonds on Frankfurt Stock Exchange. Offers unsecured instalment loans, revolving credit and card/payments via MyIute app across Moldova (incl. Energbank), Albania, North Macedonia and Bulgaria.