Best Lending Platform

  • 4G Capital

    http://www.4g-capital.com/

    We empower micro and small businesses in Sub-Saharan Africa to grow and succeed. This not only means access to credit, but also the skills to use it correctly. It’s why our first product blends loans with financial education. We provide each client with a bespoke programme of business training which enables them to use the credit we provide to positively grow their business. We look at their current life and business stage to give them the relevant information to help them on their journey. Conventional service providers see this as an insurmountable challenge. We see it as an opportunity to utilize data in ever smarter ways. Using our proprietorial machine learning system, we’ve found ways to use data from multiple sources to design credit products at scale which are optimized for segments, business risk, timescale and affordability.

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  • ACORN OakNorth

    https://www.oaknorth.com/

    ACORN OakNorth is a fintech firm focused on unlocking the potential in bespoke SME lending globally using its data and technology platform, ACORN machine. ACORN uses cloud-based technology (hosted on AWS) to source millions of data items on SMEs across various parameters, sectors, and markets, and then uses machine learning algorithms to pull out the pieces of data that lenders need to make more informed credit decisions. ACORN’s team of credit analysts and data scientists then manage the process, training the machine learning algorithms, so that the platform continues to evolve. The platform enables banks and lending institutions around the world to originate, underwrite, monitor, and book bespoke loans to SMEs faster, more efficiently and with more rigour, thus replicating the success of OakNorth in the UK, in their own market. In the UK, the firm operates as OakNorth - a bank that serial entrepreneurs, Rishi Khosla and Joel Perlman, founded in September 2015.

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  • Credibility Capital Inc.

    http://www.credibilitycapital.com/

    Credibility Capital is a technology-enabled platform originating A-paper commercial loans for banks and other institutional investors.

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  • Credibly

    https://www.credibly.com/

    Credibly is a lending platform that leverages “big data and big brains” to improve the speed, cost, experience, and choice of capital to SMBs.

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  • Creditor.ai

    http://creditor.ai/

    Creditor.ai is the only marketplace where credit companies can buy and sell turned down loan applications online

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  • DiFin

    http://www.DiFin.co

    AI based Digital Education lending Platform

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  • ftcash

    https://www.ftcash.com

    ftcash is one of India’s fast-growing financial technology venture, recognized by Forbes, which aims to empower micro-merchants and small businesses with the power of credit using digital payments, using only a bank account and a feature phone. ftcash uses its proprietary algorithm to understand the credit-worthiness using their transaction flow data on the ftcash payments platform along with several other data points including psychometric analysis, which can be leveraged to provide these SMEs institutional finance and recollect the money from their daily transactions. ftcash works with Banks and Financial Institutions to deploy its solution for all their SMEs. After a successful launch in India in 2015, ftcash is expanding globally. ftcash is being supported by PayPal and MasterCard to enable merchant services globally.

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  • Kasasa

    https://kasasa.com/

    Kasasa®, an award-winning financial technology and marketing technology provider, is known for reinventing checking. With its latest patent-pending offering, Kasasa Loans™, the company is now reinventing lending.

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  • Kiva Microfunds

    http://www.kiva.org

    Kiva Microfunds (commonly known by its domain name, Kiva.org) is a 501(c)(3) non-profit organization that allows people to lend money via the Internet to low-income entrepreneurs and students in over 80 countries. How Kiva works: Kiva connects with a field partner > Field Partners disburse loans and post stories on Kiva > Lenders browse profiles and choose borrowers to support > Field partners receive Kiva lenders' funds via wire transfer > Borrowers repay their loans > Kiva returns repayments to lenders.

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  • Lendio

    https://www.lendio.com/

    Lendio is a free online service that helps business owners find the right small business loans within minutes. With a network of over 75 lenders offering multiple loan products, Lendio’s marketplace is the center of small business lending. Bringing all options together in one place, from short-term specialty financing to long-term, low-interest traditional loans, our technology makes small business lending simple and decreases the amount of time and effort it takes to secure funding.

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  • Loniwa Capital

    https://www.loniwa.com

    At Loniwa, we offer you instant working capital loans to secure supplies for your small business. We maintain a large database of verified suppliers ranging from farm produce to electronics. If you own a shop and are struggling to stock it or satisfy orders you dont have money for, register with us and order your goods from a list of our verified suppliers. We will advance you a loan and pay directly to the supplier. You can then pick your goods.

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  • Maliyya

    http://www.maliyya.com

    Global Shariah Compliant P2P Financing & Investing Platform

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  • Minterest Private Limited

    http://minterest.sg

    Minterest is a peer-to-business financial technology platform founded by a team of former bankers with more than 125 years of combined experience in corporate and structured finance

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  • PayMe India

    http://www.paymeindia.in

    FinTEch company in lending space. Offers short term loans to salaried class.

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  • Rubique

    https://www.rubique.com/

    Rubique was formed with a vision to create the largest online credit marketplace in India that empowers individuals & SMBs with easy and smooth access to finance through a wide range of loan, credit card and insurance products. Built on a proprietary matchmaking algorithm, Rubique’s marketplace platform has been integrated with financial institutions’ systems for real time processing and providing online approvals to the customers. The advanced technology solution not only reduces the processing time significantly, but the data analytics done on multiple data points helps bring predictability and assess creditworthiness offering best deals to the customers. Unlike other online platforms, we have worked on digitizing the credit policies and deep integrations with the financial institutions. The credit policies are fed into our match making algorithm which then does the base level underwriting checks on the platform before passing them on to the FIs. We currently have 150+ such policies on our system, with more such policies the approval ratio of the applications has seen a steady increase. The approval ratio for retail loan products is around 90% and for SME policies it is around 60%. Our platform is also integrated with paperless-focused features like e-KYC, bank statement analysis, credit bureau check, credit memo generation & MCA integration etc. These features further allow real time decision making on the application. Moving one step ahead in distribution and adding the PLUS to the model for the overall online proposition, we actively reach out and work with influencers (like CAs, insurance advisors, financial consultants etc) and other such entities to help bring risk-averse customers, especially MSMEs, onto the platform, taking them offline to online and also to extend end-to-end fulfilment of their financial requirements. We currently have a network of 4000+ such influencers PAN India who are using Rubique’s mobile app/extension of SPOT (Single Point of Truth), which has platform capabilities similar to that of a consumer website. The in-house built data platform SPOT (Single Point of Truth) has capabilities like CRM, advanced analytics, match making rule engine, lead management system & cross-sell engine. This central system provides detailed views on every single lead generated & fulfilled across different touch points. Rubique has managed to successfully stand out in the fintech space as an innovator par excellence and one of the genuine success stories of the domain through its unique products. Our online PLUS model is enabling users to get the best deals and having their loan applications processed faster through the latest data science technologies. It has enabled us to process a large number of loans in a short span of time.

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  • Secfi

    http://www.secfi.com

    Loans for option exercise and holders of private company stock

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  • Spotcap

    http://www.spotcap.com

    Spotcap empowers small business owners with tailored finance, allowing them to focus on what really matters - their business. The company assesses the real-time performance of businesses to grant short-term credit lines. Headquartered in Berlin Germany, Spotcap launched in Spain in September 2014 before expanding to the Netherlands and Australia in 2015, the UK in 2016 and New Zealand in 2017. The company is led by Founder and CEO Jens Woloszczak. The growing team currently consists of more than 120 employees globally. Spotcap is backed by a number of world-class investors including Rocket Internet, Finstar Financial Group, Access Industries, Holtzbrinck Ventures and Heartland Bank.

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