10-Year-Old Global AI-Powered Consumer Lending & Fintech Platform

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

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:

1. 01
   Funding RequirementUp to US$100 million
2. 02
   Financing StructureDebt / Warehouse Facility
3. 03
   Target Net USD Yield10–12% p.a.
4. 04
   DistributionQuarterly
5. 05
   CollateralPledged consumer lending receivables
6. 06
   Collateral Coverage120%, with an automatic top-up mechanism
7. 07
   Investment ReturnsNegotiable

Growth Opportunities

1. 01
   Loan Portfolio ExpansionIncreasing lending capacity through additional warehouse funding.
2. 02
   Customer Pipeline DevelopmentCapitalizing on an established borrower pipeline across existing markets.
3. 03
   Geographic GrowthLeveraging the Group's technology and credit infrastructure to expand its lending footprint.
4. 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.