AustraliaProject Micro Lending is an established global financial technology group specializing in AI-powered consumer lending and private credit solutions.
Founded in 2014 by former senior executives from leading internet, financial services and legal institutions, the Group has developed a scalable lending platform focused on providing micro-loans to retail borrowers across emerging markets in Asia and Latin America.
Leveraging proprietary artificial intelligence and advanced credit assessment technologies, the Group evaluates borrower risk profiles and delivers accessible financing solutions across multiple consumer lending markets.
With more than a decade of operating history, the Group combines proprietary technology, diversified loan origination capabilities and an experienced management team to support continued portfolio expansion.
Investment Highlights
More than 10 years of operating history and over nine industry awards since inception.
FY2025 revenue of US$147 million and net profit of US$32 million.
US$248 million in outstanding loans as of May 2026, supported by cumulative lending of approximately US$3.7 billion.
Thousands of underlying small-ticket consumer loans, with no individual loan representing more than 0.1% of the portfolio.
Lending operations across multiple countries in Asia and Latin America, providing exposure to distinct regulatory and economic environments.
Target net USD yields of 10–12% p.a., with quarterly distributions (negotiable).
More than 700 intelligent assessment models and 33 patent filings supporting advanced credit risk evaluation.
Over 9 billion risk assessment computations processed through the Group's technology infrastructure.
Proposed collateral consisting of pledged consumer loan receivables at 120% coverage, supported by an automatic top-up mechanism if coverage falls below the required threshold.
Financial & Operating Highlights
| Financial Metric | Performance |
|---|---|
| FY2025 Revenue | US$147M |
| FY2025 Net Profit | US$32M |
| Outstanding Loan Portfolio (May 2026) | US$248M |
| Cumulative Lending | US$3.7B |
| Operating History | 10+ Years |
| Risk Assessment Computations | 9B+ |
| Proprietary Intelligent Assessment Models | 700+ |
| Patent Filings | 33 |
Financing Opportunity
The Group is seeking up to US$100 million in debt / warehouse financing to support the expansion of its consumer lending portfolio.
The proposed funding will primarily be deployed to originate additional loans to retail borrowers across the Group's existing markets.
Key Financing Terms:
Growth Opportunities
Potential Exit Options
Potential liquidity and exit pathways include refinancing, debt syndication and an equity capital raise.
Investment Rationale
Project Micro Lending offers investors exposure to a scaled, technology-driven consumer lending platform with an established operating history, significant loan origination volumes and diversified underlying receivables.
The combination of proprietary AI-powered credit assessment technology, geographic diversification, attractive target USD yields and a proposed 120% collateral coverage structure presents an opportunity to participate in the expansion of an established global private credit platform.
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