Younited Acquisition, Valuation, Funding & Investors

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.

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.

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.

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.

Pagaya Technologies Ltd is a financial technology company working to reshape the lending marketplace by using machine learning, data analytics, and sophisticated AI-driven credit and analysis technology. It was built to provide a comprehensive solution to enable the credit industry to deliver customers a positive experience while simultaneously enhancing the broader credit ecosystem. Its proprietary API seamlessly integrates into its next-gen infrastructure network of partners to deliver a premium customer user experience and greater access to credit. The company generates majority of its revenue from United States.

Katapult Holdings Inc. is a technology-driven lease-to-own platform that integrates with omni-channel retailers and e-commerce platforms to power the purchase of everyday durable goods for underserved U.S. non-prime consumers. It is an e-commerce-focused FinTech company offering a lease-purchase solution to consumers and enabling essential transactions at the merchant point of sale. Katapult is associated with hundreds of retailers across the United States.

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.

KreditBee is a Bengaluru-headquartered fintech firm founded in 2018 that delivers instant personal loans up to INR 400,000 to salaried professionals in India. The app approves applications using alternative data like GST returns and UPI transactions, disbursing funds via Razorpay within 10 minutes. Regulated by RBI as a non-banking financial company, it serves over 20 million users across 15 states with features for credit score tracking and flexible repayment tenures from 3 to 36 months.

Kredivo Group is a Jakarta-based fintech conglomerate formerly FinAccel, providing digital credit services across Southeast Asia through Kredivo, KrediFazz, and Krom brands. Its flagship Kredivo app delivers buy-now-pay-later options for e-commerce platforms like Tokopedia and Shopee in Indonesia and Vietnam, with limits up to IDR 30 million based on real-time AI underwriting. The group processed over USD 2 billion in transactions in 2022.

Propel Holdings Inc is a financial technology (fintech) company, committed to credit inclusion by facilitating fair, fast, and transparent access to credit through its proprietary, online lending platform. All the firm's operations are conducted through its consumer-facing brands: MoneyKey, CreditFresh, Fora Credit, and QuidMarket.

TVS Credit Services is a Chennai-headquartered non-banking financial company under the TVS Group providing loans for two-wheelers, used cars, three-wheelers, tractors, commercial vehicles, and consumer durables primarily to customers in rural and semi-urban India. Launched in 2008, it serves over 2.5 million customers with products tailored for financial inclusion and holds a CRISIL AA-/Stable long-term rating. TVS Credit operates more than 800 branches across 26 states and has received awards like the Flame Award for Excellence in Rural Marketing and Best BFSI Company at ET Now Makers of Developed India Awards 2018.

Zip is a credit provider operating two segments: Australia and New Zealand, and the US. Founded in Australia in 2013, it has over 6 million active customers and partners with over 85,000 merchants. In Australia, Zip positions itself as a credit card alternative, with several revolving credit products. Customers can carry the balance over time with a monthly fee and set their own repayment schedule. The US and New Zealand offering is a far more vanilla BNPL offering: Pay-in-4 in New Zealand and Pay-in-Z in the US, where customers pay back in fixed instalments. The US segment is built on the 2020 acquisition of QuadPay and has recently become Zip’s largest and fastest-growing segment.

Akulaku Group is a Jakarta-headquartered fintech firm operating in Indonesia, the Philippines, Malaysia, and Vietnam. The company delivers digital banking via Neobank, which partners with Bank Neo Commerce, alongside virtual credit cards, buy-now-pay-later financing, e-commerce, wealth management through Asetku, digital investments, and insurance brokerage. Akulaku targets underserved consumers in emerging markets with mobile-first financial tools that address daily needs like payments and loans.

HDFC Credila is a Mumbai-based non-banking financial company specializing in education loans for Indian students pursuing studies abroad and domestically. It disburses customized loans up to ₹1.5 crore with home delivery options and online applications, covering tuition, living expenses, and travel. Servicing 200,000 loans annually, Credila partners with 1,500 institutions including Harvard and IITs.

Funding Circle Holdings PLC provides an online lending platform through which borrower loans are originated and allocated to investors and comprising the different online lending platforms across the company's geographies. Company's segment includes: Term Loans and FlexiPay. The sectors includes: Wholesale & retail, Real Estate, Health & other service activities, Other manufacturing, IT & telecommunication The company's geographical segments include the United Kingdom, the United States, and developing markets. It derives the majority of its revenue from the United Kingdom region.

OnEMI Technology Solutions runs the Kissht digital lending platform. It gives consumer and small business loans, on its own balance sheet and with lending partners. Headquartered in Mumbai.

Stashfin is a Mumbai-based fintech platform offering instant personal loans from ₹1,000 to ₹5 lakhs at 21-45% APR over 12-36 months. Regulated by RBI, it also enables investments in SEBI-approved corporate bonds starting at ₹10,000 with up to 15% annual returns and monthly interest. Additional products cover term life, device, and UPI fraud insurance.