Who can borrow?
Lending Fintechs: Fintech platforms that focus on offering credit products directly or in partnership with financial institutions. These include solutions like invoice financing, supply chain financing, SME lending, BNPL (Buy Now Pay Later), embedded lending, and working capital loans. They often leverage data and technology to underwrite, disburse, and manage credit more efficiently.
Non-Lending Fintechs: Fintech platforms that offer financial services other than lending. These can include payment processing, expense management, payroll solutions, neobanking, wealth tech, and financial infrastructure tools. While they don’t directly extend credit, many work with financial institutions or lenders to enable embedded financial services within their platforms.
Private Credit Funds: Investment vehicles that specialize in providing non-bank debt financing to businesses. These funds invest in private debt instruments such as term loans, structured credit, or asset-backed financing. Unlike traditional lenders, private credit funds often target higher-yield opportunities and operate with more flexible terms, catering to mid-sized or underserved borrowers.
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