> For the complete documentation index, see [llms.txt](https://docs.qiro.fi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.qiro.fi/qiro-marketplace-product-guide/for-borrowers/who-can-borrow.md).
# Who can borrow?
1. **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.
2. **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.
3. **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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