Our Borrowers

Tonik is the Philippines’ first digital bank and holder of Digital Bank License No. 1 from the Bangko Sentral ng Pilipinas (BSP). Focused on consumer lending and financial inclusion, it combines digital banking with technology-driven credit underwriting to provide accessible financing solutions to Filipino consumers.

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, Malaysia and the Philippines, operating under regulated frameworks. Nearly USD 200 million in 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.

Atome Financial (Neuroncredit Pte. Ltd.) is the consumer finance arm of Advance Intelligence Group, spanning Atome BNPL, Atome Card and Indonesian digital lender Kredit Pintar. Backed by SoftBank Vision Fund 2, Warburg Pincus, Ares and EDBI, it serves 40M+ consumers and 235,000+ merchants and has disbursed over USD 8B in loans. FY2025 audited revenue reached USD 470M, up 80% YoY.

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.