OUR PROCESS
We have established emerging Asia's leading credit analytics platform, leveraging advanced data science to effectively identify risks and optimize investment terms with risk-adjusted pricing. This platform sets itself apart by its remarkable speed and efficiency in fund disbursement, redefining industry standards in financial services.
What We Look For
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Digital FinTech Lenders & Tech-enabled Ventures
Consumer, SME, Education, Real Estate, and other verticals
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Portfolio & Operational Vintage
At least 12 months of portfolio and operational vintage
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Positive Revenue Growth
A history of revenue positive operations for at least 12-months with reasonably high gross margins and a positive trend over the last 6 months
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Institutional Backing
Backed by institutional investors such as VC / CVC / PE or leading family offices
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Based in Emerging Asia
Indonesia, India, Philippines, Vietnam, Singapore, Thailand, Malaysia, Cambodia, Bangladesh, Sri Lanka; and opportunistically in other markets including the US.
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API Integration
Tech readiness and ability to provide API access to LMS, Accounting, CRM and ERP.
SPA{R}K SYSTEM
Emerging Asia’s most advanced cross border credit analytics platform, SPA{R}K, uses AI-driven data research and analytics to make informed and effective credit decisions, allowing us to build a curated portfolio of alternate loans and venture assets that offer our investors risk-adjusted returns.
"Effective risk management in private credit is not just about mitigating risks, but about understanding and navigating them to unlock value, ensuring a strategic balance between caution and opportunity."
3R RISK SYSTEM
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Through deep macro and industry research, SPA{R}K identifies and originates investment opportunities in high growth technology ventures.
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SPA{R}K benchmarks the risk-return profiles of available investment opportunities and selects the best from among them.
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AI & machine learning enables SPA{R}K to monitor risk as well as the performance of invested portfolios.