Dianrong Valuation, Funding & Investors

Konfio is a Mexico City-headquartered fintech platform delivering credit cards, working capital loans, and payment processing to small and medium enterprises throughout Mexico. Launched in 2013, it streamlines financing for over 100,000 businesses using alternative data for credit assessments. Partnerships with banks like BBVA expand its loan distribution, focusing on sectors such as retail and services in cities including Guadalajara and Monterrey.

San Francisco-headquartered Fundbox is a financial technology platform founded in 2013 that delivers AI-powered credit to small businesses. It provides instant working capital advances based on revenue data, enabling growth without traditional loans. The service processes applications in minutes for seamless cash flow management.

Happy Money is an Irvine-headquartered fintech company that originates personal loans through partnerships with community banks for debt consolidation, home improvements, and other purposes. Founded in 2013 under the name Payoff, the firm rebranded to Happy Money in 2021 to emphasize borrower financial wellness. Its online platform assesses credit profiles to match users with suitable loan offers from lenders across the United States. Borrowers access automated payment plans that prioritize high-interest debt payoff while reporting activity to credit bureaus for score improvements. Happy Money serves customers nationwide with a focus on those transitioning from credit card reliance to savings habits.

Raisin is a Berlin-headquartered fintech platform founded in 2012 that operates as a savings and investment marketplace. It links retail savers with partner banks across Europe and the United States for fixed-term deposits and cash products with competitive rates. The single dashboard enables easy account opening, management, and withdrawals from institutions like Banca Sistema in Italy and Brabo Bank in the Netherlands. Following the June 2021 merger with Deposit Solutions to form Raisin DS, the company broadened its fixed-income offerings and market presence.

iCred is a São Paulo-based fintech platform enabling personal credit and payroll-deducted loans through fully digital interfaces. Its API integrates with corporate payroll systems and business platforms, allowing instant approvals and disbursements for employees in Brazil.

InCred is a Mumbai-headquartered digital lending platform offering personal, home, education, and MSME loans. Powered by data analytics and machine learning, it assesses creditworthiness using alternative data sources for quick disbursals up to ₹50 lakh. Founded in 2016, InCred serves 2 million customers nationwide with partnerships to payment banks and operates under RBI NBFC-AA license.

Upbound Group Inc is an omnichannel platform company committed to elevating financial opportunity for all through inclusive, and technology-driven financial solutions that address the evolving needs and aspirations of consumers. It has four operating segments; The Rent-A-Center Business segment operates lease-to-own stores, the Acima segment offers the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer, and also offers the lease-to-own transaction through virtual offering solutions, Mexico segment offers lease-to-own stores in Mexico. The The Brigit segment offers various financial health products and tools to help users improve their financial health. The company derives a majority of its revenue from the Acima segment.

PROG Holdings Inc is a financial technology holding company that provides transparent and competitive payment options to consumers. The company has two reportable segments: Progressive Leasing, an in-store, app-based, and e-commerce point-of-sale lease-to-own solutions provider; and Vive Financial (Vive), an omnichannel provider of second-look revolving credit products. The majority of the revenue of the company is earned through the Progressive Leasing segment.

China Rapid Finance is an online consumer lending marketplace that connects borrowers and lenders to serve China's emerging middle class, particularly people without access to traditional bank credit. Founded in 2001 by Zane Wang, the company built proprietary Automated Credit Decisioning and Risk Based Pricing technology to approve loans quickly based on assessed credit risk. It has facilitated millions of loans and helped Chinese banks issue more than 100 million credit cards, building a multi-data, multi-channel lending platform for underserved consumers.

Credit Sesame is a Mountain View-headquartered fintech founded in 2010 that provides free credit monitoring, personalized loan recommendations, and digital banking tools. Its app tracks VantageScore 3.0, offers identity theft protection, and matches users to credit cards, mortgages, and personal loans from partners like LendingClub. Serving 20 million members, it automates savings plans and debt payoff strategies.

Oxyzo is a Mumbai-based financial services platform offering cash flow-based lending and supply chain finance to small and medium enterprises in India. The company underwrites loans using digital transaction data from platforms like Razorpay and Amazon Seller, disbursing funds within 24 hours for inventory purchases and expansion. Oxyzo partners with e-commerce marketplaces to finance over 100,000 SMEs annually, focusing on sectors like consumer goods and electronics manufacturing.

Rong360 is a Beijing-based online platform for customized financing and loan services in China. Users search and compare loan products from banks and lending agencies, connecting directly with bank personnel. Rong360 operates as a direct-selling hub for financial products, serving millions of consumers seeking personal and small business loans since its launch in 2012.

Touzhijia.com is a Shanghai-based online wealth management platform offering P2P lending and investment services. Users access fixed-income products, insurance-linked plans, and private equity opportunities through its app and website. The platform emphasizes risk assessment tools and regulatory compliance to connect individual investors with borrowing enterprises across China.

Zopa is a London-headquartered digital bank offering personal loans, credit cards, savings accounts, and credit score monitoring through its mobile app. Founded in 2005 as the world's first peer-to-peer lending service, it matches lenders and borrowers while spreading risks across portfolios. Zopa transitioned to a full banking license in 2020, holding over £7 billion in deposits. The platform enforces automated repayments and provides tools for financial planning.

Qfin Holdings Inc Formerly Qifu Technology Inc is a Credit-Tech platform in China. It provides credit services more accessible and personalized to consumers and SMEs through Credit-Tech services to financial institutions, whereby it deploys its technology solutions to help financial institutions identify the diversified needs of consumers and SMEs, effectively access prospective borrowers that are creditworthy through multi-channels, enhance credit assessment on prospective borrowers, and manage credit risks and improve collection strategies and efficiency, among others.

Tuandaiwang is a Dongguan-headquartered Chinese peer-to-peer lending platform founded in 2011 that matches small and medium enterprises with investors via group loans. The service provides information collection, disclosure, exchange, and matching, backed by big data analysis and risk controls. Selected as a Guangdong Province Internet + Finance pilot, Tuandaiwang launched bank depository with Xiamen Bank in 2017 and holds national high-tech enterprise status.

Ascend Money operates a fintech platform offering digital wallets, e-payments, and microloans in Thailand. Bangkok-headquartered, it runs the TrueMoney app with over 20 million users for bill payments, remittances, and QR code transactions. Ascend Money partners with Charoen Pokphand Group and True Corporation to expand financial inclusion. Launched in 2016, it holds a virtual bank license and processes transactions exceeding 1 trillion baht yearly.

Yixin Group Ltd is an online automobile finance transaction platform in China. The company operates in two segments namely Transaction platform services and Self-operated financing business. The transaction platform segment is comprised of facilitation of auto loans to consumers offered by its auto finance partners. Self-operated financing segment comprises of auto finance solutions through financing leases. The company generates a majority of its revenue from the Transaction Platform segment.