Our Borrowers

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 Singapore-headquartered fintech group delivering inclusive digital financial services — consumer credit, wealth management, digital payments and B2B Finance-as-a-Service (FaaS) — to approximately 100 million users across 10 emerging markets on three continents, anchored by its core India and Indonesia franchises.

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.

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).