BlueOrchard Finance

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in digital banking services aimed at retail customers and small to medium enterprises. The bank focuses on providing a comprehensive suite of financial products, including money transfers, loans, deposits, and bill payments, all accessible through digital channels. By leveraging its parent company's expertise in digital transformation, TBC Bank Uzbekistan seeks to meet the increasing demand for modern financial services in the country, enhancing the customer experience with innovative online solutions.

Naked Insurance, founded in 2016 and based in Johannesburg, South Africa, specializes in providing short-term retail insurance products. The company aims to deliver a modern insurance experience characterized by transparency and simplicity, catering to the evolving needs of consumers in the insurance market.

Varthana is a financial services company focused on enhancing private education in India by providing tailored financial solutions to low-cost private schools. It partners with education entrepreneurs dedicated to improving access to high-quality education in low-income communities. Varthana offers both secured and unsecured loans designed for various projects, including infrastructure renovations, library and playground additions, laboratory upgrades, smart classroom technology, teacher training programs, and transportation services like school buses. Through its support, Varthana aims to empower private schools to better serve students from economically disadvantaged backgrounds, thereby contributing to the overall improvement of educational facilities in the region.

TechCoop is a Vietnam-based agrifintech company that empowers small and medium-sized enterprises (SMEs) and farmer clubs in the agricultural sector. It offers a comprehensive platform that integrates trade, financing, and advisory services, providing users with access to markets, finance, and technology. The company aims to support and strengthen Vietnamese SMEs and smallholder farmers within export-driven agricultural supply chains by offering expert guidance on production and export processes.

Namdev Finvest operates a non-banking finance platform that focuses on providing loans primarily to rural and semi-urban agriculture, as well as to the priority sector. The company offers a variety of financial products, including commercial vehicle loans, car loans, business loans, two-wheeler loans, and gold loans. By targeting unserved and unreached farmers and entrepreneurs, Namdev Finvest aims to enhance their financial access and improve their livelihoods.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in digital banking services aimed at retail customers and small to medium enterprises. The bank focuses on providing a comprehensive suite of financial products, including money transfers, loans, deposits, and bill payments, all accessible through digital channels. By leveraging its parent company's expertise in digital transformation, TBC Bank Uzbekistan seeks to meet the increasing demand for modern financial services in the country, enhancing the customer experience with innovative online solutions.

Fido is a developer of a digital financing platform that provides individuals and entrepreneurs with quick and secure access to instant credit loans. The platform allows users to apply for small credits without any fees, collateral, or guarantors. Utilizing advanced machine learning risk models, Fido's technology enables instant credit decisions for customers who may lack a financial track record. This approach not only facilitates access to essential financial services but also reduces operational costs, making it easier for users to obtain the financial support they need.

Access Bank, established in 1988 and headquartered in Lagos, Nigeria, is a commercial bank that offers a wide range of banking products and services to individual and business customers. The bank operates in Ghana and provides various accounts, including standard savings and current accounts, as well as specialized options such as access advantage and premier accounts. Access Bank also offers online banking services, facilitating ATM transactions, online access, point-of-sale terminal services, bill payments, and Western Union money transfers. In addition to personal banking, the bank provides corporate and investment banking, commercial and business banking services, along with mortgage loans and sustainable international banking solutions.

Dvara is a financial inclusion platform operating in India, comprising several businesses. Dvara KGFS establishes and supports local, geographically focused community financial services institutions, Kshetriya Gramin Financial Services (KGFS), catering to remote rural markets. Dvara Solutions, a software company based in Bengaluru, helps financial institutions enhance their customer-centricity. Dvara Research aims to ensure universal access to financial services. The platform operates a non-banking financial institution, offering agent-based and correspondent banking solutions, including money transfers, bill payments, loans, savings, and more, empowering low-income households and enabling financial well-being.

Lendingkart is a financial technology company based in India that focuses on providing working capital loans and financing solutions to small and medium-sized enterprises (SMEs). The company employs advanced technology and data analytics to swiftly evaluate the creditworthiness of businesses, allowing for a fast and efficient loan approval process. By addressing the financing challenges faced by SMEs—particularly those lacking collateral or a robust credit history—Lendingkart offers a user-friendly online platform where businesses can easily apply for loans and receive funding in a timely manner. This innovative approach aims to support the growth and operational needs of SMEs in a competitive market.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Varthana is a financial services company focused on enhancing private education in India by providing tailored financial solutions to low-cost private schools. It partners with education entrepreneurs dedicated to improving access to high-quality education in low-income communities. Varthana offers both secured and unsecured loans designed for various projects, including infrastructure renovations, library and playground additions, laboratory upgrades, smart classroom technology, teacher training programs, and transportation services like school buses. Through its support, Varthana aims to empower private schools to better serve students from economically disadvantaged backgrounds, thereby contributing to the overall improvement of educational facilities in the region.

Pula GmbH is an insurance intermediary based in Mollis, Switzerland, specializing in agricultural insurance broking services. The company focuses on providing data-driven insurance solutions for small-scale farmers across six countries in Africa. By leveraging machine learning and analyzing weather patterns and farm losses, Pula helps farmers navigate climate risks and enhance their agricultural practices. Through the use of mobile technology, Pula empowers hundreds of thousands of smallholders to protect their crops and make informed financial decisions, ultimately enabling them to invest in their farms and improve their overall income.

Aviom India Housing Finance Pvt Ltd. is a housing finance company based in New Delhi, India, founded in 2016. The company specializes in providing home loans to individuals, particularly targeting families in semi-urban areas. It offers financial assistance for various housing needs, including home purchases, improvements, extensions, and construction. Aviom is notable for its ability to provide home loans without requiring income documentation, making it accessible to families from semi-formal and informal sectors. Additionally, the company provides short-term business loans, loans against property, and legal and technical counseling, enabling low-income individuals and families to obtain the necessary capital for building or renovating their homes. Aviom operates additional offices in several cities, including Ajmer, Bhilwara, and Jodhpur, expanding its reach to a broader clientele.

Mufin Green Finance is an Indian non-banking finance company that focuses on providing financial services primarily in the electric vehicle (EV) sector. The company specializes in offering various loan products, including used-car loans, personal loans, unsecured working capital loans, property loans, two-wheeler loans, and educational loans. Mufin Green Finance derives its revenue mainly from interest income generated through these financing activities. By concentrating on the burgeoning EV market, the company aims to support the transition to sustainable transportation while catering to diverse customer financing needs.

FinAGG is a fintech company that specializes in providing flexible financing solutions, such as stock now pay later and invoice financing. By leveraging AI-enabled analytics, the company offers insights into sales and operations, which helps determine funding eligibility and amounts. FinAGG's platform allows suppliers, distributors, and retailers to apply for loans without the need for collateral by submitting essential business information and documents. This innovative approach facilitates easier access to financing, enabling businesses to manage their cash flow effectively.

MyCredit is a non-banking financial institution based in Nairobi, Kenya, that specializes in providing a range of financial services. The company offers various types of loans, including business and salary loans, as well as guarantees such as bid bonds and performance bonds. Additionally, MyCredit provides leasing services and a comprehensive suite of insurance products. These insurance offerings encompass motor insurance, personal accident coverage, burglary insurance, liability insurance, fidelity guarantee, money insurance, agriculture insurance, and domestic package insurance, as well as travel insurance. By catering to diverse financial needs, MyCredit aims to support individuals and businesses in managing their financial risks and enhancing their economic opportunities.

Produbanco - Grupo Promerica is a financial institution that offers a range of services and products tailored to meet the needs of its clients. They prioritize building strong relationships with customers based on mutual trust, providing dynamic and accessible solutions. With a focus on understanding and addressing local financial needs, Produbanco - Grupo Promerica aims to serve its clients in a personalized and efficient manner.

Africa Mobile Networks Ltd is a company focused on financing, building, and operating mobile network base stations in the Sub-Saharan Africa region, with the aim of connecting rural populations that lack access to mobile services. Established in 2013 and headquartered in Milton Keynes, United Kingdom, the company employs a combination of low power Base Transceiver Station (BTS) transmitters and Very Small Aperture Terminal (VSAT) satellite technology. This infrastructure directs traffic onto existing networks and is powered by solar panels, promoting sustainability. Africa Mobile Networks also engages in identifying opportunities within individual countries, developing business plans, and collaborating with local stakeholders to establish operational frameworks. This approach allows mobile network operators to expand their subscriber base and generate new revenue streams without significant capital expenditure.

ChargeZone is a renewable energy solutions provider based in India, specializing in electric vehicle (EV) charging infrastructure and software development. Founded in 2018, the company aims to establish a network of 100,000 charging stations across key EV markets in India, catering to various vehicle types, including cars, buses, and trucks. ChargeZone employs advanced Grid-to-Vehicle (G2V) technology to facilitate an unmanned EV charging experience, enhancing convenience for users. Additionally, its application offers real-time information on charging station locations, enabling customers to easily find available charging points and access smart charging services at affordable rates. The company's focus on expanding EV infrastructure and providing innovative software solutions positions it as a key player in the transition to electric mobility.

ChargeZone is a renewable energy solutions provider based in India, specializing in electric vehicle (EV) charging infrastructure and software development. Founded in 2018, the company aims to establish a network of 100,000 charging stations across key EV markets in India, catering to various vehicle types, including cars, buses, and trucks. ChargeZone employs advanced Grid-to-Vehicle (G2V) technology to facilitate an unmanned EV charging experience, enhancing convenience for users. Additionally, its application offers real-time information on charging station locations, enabling customers to easily find available charging points and access smart charging services at affordable rates. The company's focus on expanding EV infrastructure and providing innovative software solutions positions it as a key player in the transition to electric mobility.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Wave Mobile Money is a financial technology company focused on providing app-based solutions for saving, transferring, and borrowing money in Africa. With a mission to create the first cashless continent, Wave aims to address the challenge of limited access to banking services, as less than 10% of the African population has a bank account. The company is developing an inclusive financial network that offers no account fees and allows for instant transactions, making it accessible to a broader audience. By leveraging technology, Wave is creating affordable financial services that enable individuals to manage their money effectively, thereby fostering economic empowerment and contributing to poverty alleviation. Its platform supports various services, including deposits, withdrawals, bill payments, and money transfers, facilitating cashless transactions for users and businesses alike.

Satin Creditcare Network Limited is a non-banking finance company based in Gurugram, India, specializing in microfinance services. Founded in 1990, the company primarily offers collateral-free microcredit facilities to economically active women, particularly in rural and semi-urban areas where access to mainstream financial services is limited. Its services include loans for individual businesses, micro, small, and medium enterprises (MSMEs), as well as financing for solar lamps, bicycles, consumer durables, and the development of water connections and sanitation facilities. Additionally, Satin Creditcare Network has a housing finance subsidiary that caters to the affordable housing segment. The company operates on a Joint Liability Group model, facilitating community-based lending, and serves clients across 23 states and union territories in India. Through its subsidiary, Taraashna Services Limited, it also provides business correspondent services to other financial institutions, further extending its reach within the underserved market segments.

SeA Bank is a banking institution that provides various services. The bank gives small businesses, large enterprises, and individuals access to a variety of banking products and services, including daily banking services, cards, including debit and credit cards, savings services, home loans, auto loans, and international transaction services. While preserving the expansion of large organizations, it places an emphasis on professional households and small and medium-sized businesses. SeA Bank was established in 1994 in Hanoi, Vietnam.

Lendingkart is a financial technology company based in India that focuses on providing working capital loans and financing solutions to small and medium-sized enterprises (SMEs). The company employs advanced technology and data analytics to swiftly evaluate the creditworthiness of businesses, allowing for a fast and efficient loan approval process. By addressing the financing challenges faced by SMEs—particularly those lacking collateral or a robust credit history—Lendingkart offers a user-friendly online platform where businesses can easily apply for loans and receive funding in a timely manner. This innovative approach aims to support the growth and operational needs of SMEs in a competitive market.

Probus is an insurance solutions provider with a comprehensive presence across India, focusing on delivering a wide range of insurance products tailored to individual needs. The company offers various types of insurance, including health, motor, travel, and business insurance, along with consulting and advisory services that encompass risk management. Probus operates as an online B2B2C retail insurance brokerage, enabling clients to discover, compare, and acquire insurance products through a streamlined digital platform. This technology-driven approach ensures transparency and efficiency in transactions, allowing customers to personalize their insurance options. With a commitment to customer-centric service, Probus aims to meet the complete insurance needs of individuals throughout their financial life cycle.

Royal Exchange General Insurance Company offers a variety of general and risk insurance products aimed at both individual and commercial clients. Their services include motor insurance, which covers accidental damages, fire, theft, and third-party property damage or physical harm. Additionally, the company provides engineering insurance to protect against losses related to equipment and plants. They also specialize in oil and gas insurance, safeguarding onshore and offshore assets from physical harm. Other offerings include marine insurance, general accident coverage, industrial all risks, bonds, and agricultural insurance, ensuring comprehensive protection across multiple sectors.

Satya MicroCapital Limited is a non-banking financial company based in New Delhi, India, specializing in micro financing services. Founded in 1995 and formerly known as TFC Finvest Limited, the company focuses on providing small-value unsecured loans to low-income customers in urban, semi-urban, and rural areas. With operations initiated in November 2016, Satya MicroCapital has established a network of 152 branches, offering collateral-free credit primarily to micro enterprises, especially targeting women entrepreneurs. The company employs a robust credit assessment process and a centralized approval system to facilitate lending, thereby enhancing financial inclusion. Satya MicroCapital aims to support the growth of micro enterprises and improve liquidity for small business owners, contributing to economic transformation and empowerment in underserved communities.

Satya MicroCapital Limited is a non-banking financial company based in New Delhi, India, specializing in micro financing services. Founded in 1995 and formerly known as TFC Finvest Limited, the company focuses on providing small-value unsecured loans to low-income customers in urban, semi-urban, and rural areas. With operations initiated in November 2016, Satya MicroCapital has established a network of 152 branches, offering collateral-free credit primarily to micro enterprises, especially targeting women entrepreneurs. The company employs a robust credit assessment process and a centralized approval system to facilitate lending, thereby enhancing financial inclusion. Satya MicroCapital aims to support the growth of micro enterprises and improve liquidity for small business owners, contributing to economic transformation and empowerment in underserved communities.

Jagaran Microfin Private Limited specializes in providing microfinance solutions to small business ventures primarily in backward and rural areas of India. Founded in 1993 and based in Kolkata, the company offers business financing loans to entrepreneurs engaged in various sectors, including agriculture, animal husbandry, small transport services, and cottage industries. Additionally, it provides loans to long-term borrowers for home renovations and repairs. By focusing on these underserved communities, Jagaran Microfin aims to address economic inequality and empower individuals to improve their livelihoods and those of their families. As a subsidiary of GTFS Multi Services Limited, the company operates with a mission to enhance access to financial services, thereby contributing to the overall upliftment of economically challenged sections of society.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Veritas Finance is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. The organization aims to make a significant impact by providing inclusive financial solutions to individuals engaged in informal activities, thereby supporting their growth and contributing to the broader economy. Veritas Finance offers a range of loan products, including short-term loans for working capital, medium-term loans for business expansion, and long-term loans for asset creation. With a team of professionals experienced in the financial services industry, the company strives to simplify the credit process for its customers, ultimately enhancing their ability to thrive in a competitive business landscape.

Access Bank, established in 1988 and headquartered in Lagos, Nigeria, is a commercial bank that offers a wide range of banking products and services to individual and business customers. The bank operates in Ghana and provides various accounts, including standard savings and current accounts, as well as specialized options such as access advantage and premier accounts. Access Bank also offers online banking services, facilitating ATM transactions, online access, point-of-sale terminal services, bill payments, and Western Union money transfers. In addition to personal banking, the bank provides corporate and investment banking, commercial and business banking services, along with mortgage loans and sustainable international banking solutions.

Jagaran Microfin Private Limited specializes in providing microfinance solutions to small business ventures primarily in backward and rural areas of India. Founded in 1993 and based in Kolkata, the company offers business financing loans to entrepreneurs engaged in various sectors, including agriculture, animal husbandry, small transport services, and cottage industries. Additionally, it provides loans to long-term borrowers for home renovations and repairs. By focusing on these underserved communities, Jagaran Microfin aims to address economic inequality and empower individuals to improve their livelihoods and those of their families. As a subsidiary of GTFS Multi Services Limited, the company operates with a mission to enhance access to financial services, thereby contributing to the overall upliftment of economically challenged sections of society.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Satya MicroCapital Limited is a non-banking financial company based in New Delhi, India, specializing in micro financing services. Founded in 1995 and formerly known as TFC Finvest Limited, the company focuses on providing small-value unsecured loans to low-income customers in urban, semi-urban, and rural areas. With operations initiated in November 2016, Satya MicroCapital has established a network of 152 branches, offering collateral-free credit primarily to micro enterprises, especially targeting women entrepreneurs. The company employs a robust credit assessment process and a centralized approval system to facilitate lending, thereby enhancing financial inclusion. Satya MicroCapital aims to support the growth of micro enterprises and improve liquidity for small business owners, contributing to economic transformation and empowerment in underserved communities.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Veritas Finance is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. The organization aims to make a significant impact by providing inclusive financial solutions to individuals engaged in informal activities, thereby supporting their growth and contributing to the broader economy. Veritas Finance offers a range of loan products, including short-term loans for working capital, medium-term loans for business expansion, and long-term loans for asset creation. With a team of professionals experienced in the financial services industry, the company strives to simplify the credit process for its customers, ultimately enhancing their ability to thrive in a competitive business landscape.

SV Creditline is a non banking finance company that helps and gives startups easy access to credit for their income generation endeavors. The company uplifts to its vision of building a professionally managed and sustainable micro-finance institution. The range of products and services that they offer includes small credit for income generating activities and other financial products such as life insurance. These products help low-income households to improve their financial status and provide financial security.

Skymet Weather Services Pvt. Ltd. is a weather monitoring and agricultural risk solutions company based in Noida, India, with an additional office in Mumbai. Established in 2004, it specializes in measuring, predicting, and managing climate risks to agriculture. Skymet Weather operates a comprehensive platform that provides live weather observations through automatic weather stations, enabling users to access real-time data and forecasts. The company serves various clients, including small and marginal farmers, insurance companies, energy firms, and government agencies. Its offerings include tools such as WxMine for historical weather data, customized solutions for enterprises, and a lightning detection network. Additionally, Skymet Weather employs IoT technology to deliver weekly forecasts, monitor air quality, and identify crop risk zones, assisting stakeholders in adapting to the impacts of climate change.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Svasti Microfinance Pvt. Ltd. is a microfinance institution based in Mumbai, India, focused on serving the financial needs of low-income individuals, particularly in urban slums. Founded in 1995, the company began its microfinance operations in 2008 and offers a range of customized loan products, including joint liability loans and loans against property. Additionally, Svasti provides payment services that facilitate short-term credit for utility bills, pre-paid mobile top-ups, and DTH bill payments. Utilizing technology and innovative product design, the company operates through branches across India and offers services accessible via mobile phones and a downloadable smartphone application. Svasti aims to address the under-penetrated Indian microfinance market, which features a fragmented landscape with numerous microfinance institutions but limited players in the non-banking financial company (NBFC) sector capable of attracting equity investments.