Our Borrowers

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 17 branches in 13 regions, with a US$15m portfolio, 48% ROE, 37% annual growth and NPLs below 1%.

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, BNPL and virtual credit cards via AI-powered mobile apps across Indonesia (AdaPundi, OJK-licensed) and the Philippines (HappyCash, SEC-licensed).

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.

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 11 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.

A Malaysia-based digital consumer lender operating since May 2023 under the "Tambadana" brand (plus "Ahapay" BNPL), via Wawasan Cojaya Sdn. Bhd. — a KPKT digital moneylending licensee in the Fingular group, offering short-term and installment loans up to MYR 6,000 to subprime/near-prime Malaysians. FY2025 revenue USD 41.3M (+595% YoY), USD 3.4M PBT, zero covenant breaches across 3 KILDE tranches.