Project Micro Lending is an established global financial technology group specializing in AI-powered consumer lending and private credit solutions.
Founded in 2014 by former senior executives from leading internet, financial services and legal institutions, the Group has developed a scalable lending platform focused on providing micro-loans to retail borrowers across emerging markets in Asia and Latin America.
Leveraging proprietary artificial intelligence and advanced credit assessment technologies, the Group evaluates borrower risk profiles and delivers accessible financing solutions across multiple consumer lending markets.
With more than a decade of operating history, the Group combines proprietary technology, diversified loan origination capabilities and an experienced management team to support continued portfolio expansion.
Investment Highlights
Established & Award-Winning Platform
More than 10 years of operating history and over nine industry awards since inception.
Strong Financial Performance
FY2025 revenue of US$147 million and net profit of US$32 million.
Substantial Lending Portfolio
US$248 million in outstanding loans as of May 2026, supported by cumulative lending of approximately US$3.7 billion.
Highly Diversified Portfolio
Thousands of underlying small-ticket consumer loans, with no individual loan representing more than 0.1% of the portfolio.
Geographic Diversification
Lending operations across multiple countries in Asia and Latin America, providing exposure to distinct regulatory and economic environments.
Attractive Investor Returns
Target net USD yields of 10–12% p.a., with quarterly distributions (negotiable).
Proprietary AI Infrastructure
More than 700 intelligent assessment models and 33 patent filings supporting advanced credit risk evaluation.
Proven Risk Assessment Capabilities
Over 9 billion risk assessment computations processed through the Group's technology infrastructure.
Secured Lending Structure
Proposed collateral consisting of pledged consumer loan receivables at 120% coverage, supported by an automatic top-up mechanism if coverage falls below the required threshold.
Financial & Operating Highlights
Financial Metric
Performance
FY2025 Revenue
US$147M
FY2025 Net Profit
US$32M
Outstanding Loan Portfolio (May 2026)
US$248M
Cumulative Lending
US$3.7B
Operating History
10+ Years
Risk Assessment Computations
9B+
Proprietary Intelligent Assessment Models
700+
Patent Filings
33
Financing Opportunity
The Group is seeking up to US$100 million in debt / warehouse financing to support the expansion of its consumer lending portfolio.
The proposed funding will primarily be deployed to originate additional loans to retail borrowers across the Group's existing markets.
Key Financing Terms:
01
Funding RequirementUp to US$100 million
02
Financing StructureDebt / Warehouse Facility
03
Target Net USD Yield10–12% p.a.
04
DistributionQuarterly
05
CollateralPledged consumer lending receivables
06
Collateral Coverage120%, with an automatic top-up mechanism
07
Investment ReturnsNegotiable
Growth Opportunities
01
Loan Portfolio ExpansionIncreasing lending capacity through additional warehouse funding.
02
Customer Pipeline DevelopmentCapitalizing on an established borrower pipeline across existing markets.
03
Geographic GrowthLeveraging the Group's technology and credit infrastructure to expand its lending footprint.
04
Technology-Driven ScalabilityUtilizing proprietary AI models and real-time data feedback to enhance credit assessment and portfolio management.
Potential Exit Options
Potential liquidity and exit pathways include refinancing, debt syndication and an equity capital raise.
Investment Rationale
Project Micro Lending offers investors exposure to a scaled, technology-driven consumer lending platform with an established operating history, significant loan origination volumes and diversified underlying receivables.
The combination of proprietary AI-powered credit assessment technology, geographic diversification, attractive target USD yields and a proposed 120% collateral coverage structure presents an opportunity to participate in the expansion of an established global private credit platform.
+44 20 3885 6670
АвстралияФинансовые услугиL#20261233
Канада
Монако
Казахстан
