BlueOrchard Finance

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in modern banking solutions tailored for retail customers and small to medium enterprises. The bank focuses on delivering innovative digital banking services that address the growing demand for accessible financial products in Uzbekistan. Its offerings include online money transfers, various types of loans, deposits, installments, bank cards, and bill payment services, all designed to enhance the digital customer experience. By leveraging the expertise of its parent company in digital transformation, TBC Bank Uzbekistan aims to provide a comprehensive range of financial services that can be conveniently accessed through digital channels.

Naked Insurance, founded in 2016 and based in Johannesburg, South Africa, specializes in short-term retail insurance products. The company aims to provide a modern approach to insurance by emphasizing effortless, transparent, and sincere service. Through its innovative offerings, Naked Insurance seeks to enhance the customer experience in the insurance sector.

Varthana is a financial services company dedicated to enhancing private education in India, focusing on low-cost private schools in low-income communities. The company provides both secured and unsecured loans tailored to various projects, including infrastructure development, library and playground enhancements, laboratory upgrades, implementation of smart classrooms, teacher-training initiatives, and transportation solutions like school buses. By partnering with education entrepreneurs, Varthana aims to improve access to high-quality educational facilities for students from low-income backgrounds, thereby contributing to the overall transformation of the private education sector in India.

TechCoop is an agrifintech company focused on serving small and medium-sized enterprises (SMEs) and farmer clubs in Vietnam's agriculture sector. It operates an agriculture-focused fintech platform that integrates trade, financing, and advisory solutions. By providing a comprehensive suite of services, TechCoop aims to empower smallholders in export-driven agricultural supply chains. The company facilitates access to markets, financial resources, and technology, while offering expert guidance on various aspects of agricultural production and export processes. This holistic approach positions TechCoop as a vital partner for MSMEs seeking to enhance their operations and competitiveness in the agricultural industry.

Namdev Finvest is a non-banking finance platform focused on providing financial solutions to rural and semi-urban agricultural sectors, as well as other priority sectors. The company offers a range of loan products, including commercial vehicle loans, car loans, business loans, two-wheeler loans, and gold loans. By catering to the needs of underserved farmers and entrepreneurs, Namdev Finvest aims to enhance their financial access and support their growth, ultimately contributing to their socio-economic development.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in modern banking solutions tailored for retail customers and small to medium enterprises. The bank focuses on delivering innovative digital banking services that address the growing demand for accessible financial products in Uzbekistan. Its offerings include online money transfers, various types of loans, deposits, installments, bank cards, and bill payment services, all designed to enhance the digital customer experience. By leveraging the expertise of its parent company in digital transformation, TBC Bank Uzbekistan aims to provide a comprehensive range of financial services that can be conveniently accessed through digital channels.

Fido is a technology company that specializes in providing fast and secure access to digital financial services. Their platform utilizes machine learning risk models to make instant credit decisions for customers who lack a traditional financial track record. This approach not only benefits individuals and entrepreneurs by offering quick and easy access to credit but also reduces operational costs for the service providers. Fido's solutions eliminate the need for fees, collateral, or guarantors, making their services accessible and convenient for users.

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 targets growing businesses in sectors such as agri-products, handicrafts, water, food, and energy. Kinara Capital offers loans ranging from Rs 1 lakh to 15 lakh, aiming to bridge the gap between microfinance and commercial capital, and supports funding needs for working capital, capital assets, and start-up initiatives. The firm distinguishes itself through personalized customer service and a fast turnaround time, leveraging data-driven insights to enhance the lending experience. Recognized for its impact in the financial sector, it was named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and ranked among the Top 100 High-Growth Companies in Asia-Pacific by the Financial Times.

Varthana is a financial services company dedicated to enhancing private education in India, focusing on low-cost private schools in low-income communities. The company provides both secured and unsecured loans tailored to various projects, including infrastructure development, library and playground enhancements, laboratory upgrades, implementation of smart classrooms, teacher-training initiatives, and transportation solutions like school buses. By partnering with education entrepreneurs, Varthana aims to improve access to high-quality educational facilities for students from low-income backgrounds, thereby contributing to the overall transformation of the private education sector in India.

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, established in 2016 and headquartered in New Delhi, focuses on providing accessible home loan services primarily to individuals and families in semi-urban areas of India. The company specializes in offering financial assistance for various housing needs, including home purchasing, improvements, extensions, and construction. Aviom caters especially to clients from semi-formal and informal sectors, allowing them to obtain home loans without the requirement of income documentation. In addition to housing loans, the company also provides short-term business loans, loans against property, and legal and technical counseling, thereby enabling low-income households to secure the necessary capital for building or renovating their homes. With offices across multiple cities, Aviom aims to support families in enhancing their living conditions and achieving their housing aspirations.

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 innovative financing solutions, including stock now pay later and invoice finance options. Its AI-driven platform offers flexibility in repayment within the loan tenure, allowing clients to manage their financial obligations more conveniently. The company enables suppliers, distributors, and retailers to apply for financing through a digital credit card, streamlining the application process by requiring essential business information and documentation. By leveraging AI-enabled analytics, FinAGG delivers valuable insights into sales and operations, facilitating the determination of funds and enabling the provision of collateral-free loans.

MyCredit Limited is a non-banking financial institution based in Nairobi, Kenya, specializing in a range of financial services. The company provides various loan products, including business loans and salary loans, as well as guarantees such as bid bonds and performance bonds. In addition to these services, MyCredit offers leasing options and a comprehensive suite of insurance products that encompass motor insurance, personal accident coverage, burglary insurance, and agricultural insurance, among others. By catering to diverse financial needs, MyCredit aims to support individuals and businesses in achieving their financial goals.

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 Sub-Saharan Africa, aiming to connect underserved rural populations. Established in 2013 and headquartered in Milton Keynes, United Kingdom, the company utilizes low power Base Transceiver Station (BTS) transmitters paired with Very Small Aperture Terminal (VSAT) satellite technology to facilitate mobile connectivity. By directing traffic onto existing networks and employing solar panels for power, Africa Mobile Networks enables mobile network operators to expand their reach without significant capital expenditures. The company also engages in identifying opportunities within different countries, developing business plans, and collaborating with local partners to support the establishment of mobile infrastructure and services.

ChargeZone is a renewable energy solutions company based in India, focused on advancing electric vehicle (EV) infrastructure. Established in 2018, it specializes in developing a sophisticated EV charging network using Grid-to-Vehicle technology, which facilitates an unmanned charging experience for users. The company provides a comprehensive range of data and software solutions that enhance the adoption of electric vehicles. ChargeZone aims to establish 100,000 charging stations across key markets in India, catering to various vehicle types including cars, buses, and trucks. Its mobile application simplifies the process of locating charging stations, ensuring that customers can access smart charging services conveniently and affordably.

ChargeZone is a renewable energy solutions company based in India, focused on advancing electric vehicle (EV) infrastructure. Established in 2018, it specializes in developing a sophisticated EV charging network using Grid-to-Vehicle technology, which facilitates an unmanned charging experience for users. The company provides a comprehensive range of data and software solutions that enhance the adoption of electric vehicles. ChargeZone aims to establish 100,000 charging stations across key markets in India, catering to various vehicle types including cars, buses, and trucks. Its mobile application simplifies the process of locating charging stations, ensuring that customers can access smart charging services conveniently and affordably.

Aye Finance is a financial services company focused on providing business loans to micro and small enterprises. Its mission is to deliver customer-centered financial solutions through the use of technology and efficient processes. Aye Finance offers a range of loan products and debt financing options designed to support the growth of small businesses. These services enable micro and small businesses to acquire fixed and working assets, renovate or construct facilities, and consolidate debt, ultimately promoting financial inclusion within this segment of the economy. By leveraging relevant technology, Aye Finance aims to empower micro-enterprises and facilitate their development.

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 is a provider of general and risk insurance products aimed at both individual and commercial clients. The company offers a comprehensive range of insurance services, including motor insurance that covers accidental damage, fire, theft, and third-party liabilities. Additionally, it provides engineering insurance to safeguard against losses related to equipment and plants, as well as specialized oil and gas insurance for onshore and offshore assets. The company's portfolio also includes marine, general accident, industrial all risks, agriculture, and bond insurance, thereby ensuring a wide array of reliable coverage options to meet diverse client needs.

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 is a microfinance institution based in Kolkata, India, founded in 1993. The company focuses on providing financial solutions to small business entrepreneurs in rural and backward areas, primarily catering to individuals involved in agriculture, animal husbandry, small-scale transport, solar products, artisan crafts, and cottage industries. By offering business financing loans and working capital, Jagaran aims to empower economically challenged segments of society and enhance their livelihoods. Additionally, the organization also provides loans for home renovations to its long-term borrowers. As a subsidiary of GTFS Multi Services Limited, Jagaran Microfin strives to address economic disparity and promote better living conditions for families by facilitating access to essential financial resources.

Aye Finance is a financial services company focused on providing business loans to micro and small enterprises. Its mission is to deliver customer-centered financial solutions through the use of technology and efficient processes. Aye Finance offers a range of loan products and debt financing options designed to support the growth of small businesses. These services enable micro and small businesses to acquire fixed and working assets, renovate or construct facilities, and consolidate debt, ultimately promoting financial inclusion within this segment of the economy. By leveraging relevant technology, Aye Finance aims to empower micro-enterprises and facilitate their development.

Veritas Finance Private Limited 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. Founded with the mission to provide inclusive financial solutions, Veritas focuses on delivering various loan products tailored to meet the working capital and credit requirements of these businesses. Its offerings encompass short-term loans for immediate working capital needs, medium-term loans for business expansion, and long-term loans for asset creation. The company is managed by a team of experienced professionals in the financial services industry, committed to facilitating access to credit and positively impacting the lives of millions of Indians engaged in informal activities that contribute significantly to the nation's economy.

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 is a microfinance institution based in Kolkata, India, founded in 1993. The company focuses on providing financial solutions to small business entrepreneurs in rural and backward areas, primarily catering to individuals involved in agriculture, animal husbandry, small-scale transport, solar products, artisan crafts, and cottage industries. By offering business financing loans and working capital, Jagaran aims to empower economically challenged segments of society and enhance their livelihoods. Additionally, the organization also provides loans for home renovations to its long-term borrowers. As a subsidiary of GTFS Multi Services Limited, Jagaran Microfin strives to address economic disparity and promote better living conditions for families by facilitating access to essential financial resources.

Aye Finance is a financial services company focused on providing business loans to micro and small enterprises. Its mission is to deliver customer-centered financial solutions through the use of technology and efficient processes. Aye Finance offers a range of loan products and debt financing options designed to support the growth of small businesses. These services enable micro and small businesses to acquire fixed and working assets, renovate or construct facilities, and consolidate debt, ultimately promoting financial inclusion within this segment of the economy. By leveraging relevant technology, Aye Finance aims to empower micro-enterprises and facilitate their development.

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 focused on providing business loans to micro and small enterprises. Its mission is to deliver customer-centered financial solutions through the use of technology and efficient processes. Aye Finance offers a range of loan products and debt financing options designed to support the growth of small businesses. These services enable micro and small businesses to acquire fixed and working assets, renovate or construct facilities, and consolidate debt, ultimately promoting financial inclusion within this segment of the economy. By leveraging relevant technology, Aye Finance aims to empower micro-enterprises and facilitate their development.

Veritas Finance Private Limited 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. Founded with the mission to provide inclusive financial solutions, Veritas focuses on delivering various loan products tailored to meet the working capital and credit requirements of these businesses. Its offerings encompass short-term loans for immediate working capital needs, medium-term loans for business expansion, and long-term loans for asset creation. The company is managed by a team of experienced professionals in the financial services industry, committed to facilitating access to credit and positively impacting the lives of millions of Indians engaged in informal activities that contribute significantly to the nation's economy.

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 focused on providing business loans to micro and small enterprises. Its mission is to deliver customer-centered financial solutions through the use of technology and efficient processes. Aye Finance offers a range of loan products and debt financing options designed to support the growth of small businesses. These services enable micro and small businesses to acquire fixed and working assets, renovate or construct facilities, and consolidate debt, ultimately promoting financial inclusion within this segment of the economy. By leveraging relevant technology, Aye Finance aims to empower micro-enterprises and facilitate their development.

Svasti Microfinance Pvt. Ltd. is a non-banking financial company based in Mumbai, India, that focuses on providing financial services to low-income individuals, particularly in urban slums. Established in 1995, the company offers a range of customized loan products, including joint liability loans and loans against property, aimed at meeting the diverse financial needs of its clients. Additionally, Svasti provides payment services such as short-term credit facilities for utility bills, prepaid mobile top-ups, and DTH bill payments, accessible through mobile platforms and a smartphone application. The microfinance program was initiated in 2008, and Svasti leverages technology and innovative product design to enhance financial inclusion in a fragmented market characterized by a significant under-penetration of services.