TSLC
- Company typePrivate
- Founded2016
- HeadquartersSingapore, Singapore
- Headcount101–250
- GTM typeB2B and B2C
- OfferingSoftware
TSLC firmographics
Firmographics- Name
- TSLC
- Legal name
- TSLC PTE. LTD
- Website
- https://tslcglobal.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
TSLC industry classification
Industry- Product category
- Digital Lending Platform
- NAICS
- Credit Bureaus (561450), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industries
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Lending & Credit Disbursements (FSAMAKAH), Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ)
Keywords
Where TSLC is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices4 records
Markets served
TSLC business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Digital Lending Interest Income: TSLC generates revenue through interest charged on personal loans, BNPL services, credit lines, and prepaid cards offered via its CASHe platform in India and e-Rin in Bangladesh. The company earns the spread between cost of funds and interest charged to consumers.
- Credit Enablement Platform Licensing: TSLC licenses its AI/ML-powered alternative credit scoring technology (SLQ, GM) to partner banks and financial institutions (e.g., Dhaka Bank, Aafaq Islamic Finance) enabling them to offer digital lending to their customers.
- Platform Technology Services: TSLC provides its modular fintech platform infrastructure to banking partners for credit decisioning, loan origination, and customer onboarding. Revenue generated through technology service agreements with financial institution partners.
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
TSLC product offering
Product offeringCore offering
TSLC operates an AI/ML-powered credit enablement platform that underwrites and delivers digital credit products to underserved consumers in emerging markets. Through its CASHe app in India and e-Rin app in Bangladesh, it offers personal loans, BNPL, credit lines, and prepaid cards; through TSLC Alliance it white-labels its alternative credit scoring technology to banks and embeds credit services into partner platforms like Google Pay, Amazon, Mastercard, WhatsApp, Airtel, and Walmart.
Product overview
TSLC operates as a global venture builder offering a modular, scalable fintech platform focused on financial inclusion in emerging and frontier markets. The portfolio consists of consumer-facing lending products (CASHe in India, e-Rin in Bangladesh) supported by the B2B TSLC Alliance white-label credit enablement platform deployed with bank partners. Key AI/ML-powered intellectual property includes the Social Loan Quotient (SLQ) alternative credit scoring system and Goodness Measure (GM) default propensity engine. CASHe serves as the primary consumer super-app with 20M+ downloads, offering personal loans, BNPL, credit lines and prepaid cards. e-Rin is the Bangladesh consumer lending app. TSLC Alliance white-labels the credit scoring technology to banks. A WhatsApp lending integration enables instant credit access through messaging.
Differentiator
Problem solved
Functional benefit
Brands
- CASHe: AI-based credit-led mobile-first digital lending platform in India offering personal loans, BNPL, credit lines, and prepaid cards
- e-Rin
Products and services
- CASHe AI-based credit-led, mobile-first digital lending and financial wellness platform offering personal loans, BNPL, credit lines, and prepaid cards to underserved digital-native consumers in India. Has achieved over 20 million downloads and 15 million gross users with credit approvals in under 30 minutes.
- e-Rin AI/ML-powered mobile-first digital lending app launched in Bangladesh through Dhaka Bank partnership, offering affordable, hyper-personalized, instantaneous credit to salaried millennials and Gen Z underserved by traditional banking.
- TSLC Alliance B2B credit enablement platform that white-labels TSLC's AI/ML-powered alternative credit scoring technology to partner banks and financial institutions (e.g., Dhaka Bank, MTB, Aafaq Islamic Finance), enabling them to offer digital lending to credit-thin, new-to-credit, and credit-invisible consumers under their own branding.
Quantifiable outcome
- 20 million+ app downloads and 15 million gross user base
- +4 more outcomes
Companies that use TSLC
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles3 records
TSLC technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature3 records
TSLC partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and flagship.
- MTB (Mutual Trust Bank)coreMTB and CASHe Alliance signed MoU to launch a digital lending app in Bangladesh, expanding TSLC's presence in the market.
- SSLCOMMERZcoreCASHe Alliance forged a transformative buy-now-pay-later partnership with SSLCOMMERZ in Bangladesh, enabling BNPL services through their platform.
- Dhaka BankflagshipTSLC Alliance joint venture with Dhaka Bank in Bangladesh launched e-Rin app in February 2022 - Bangladesh's most advanced AI/ML-powered digital credit enablement platform for underserved consumers.
- Aafaq Islamic FinancecoreStrategic partnership with Aafaq Islamic Finance to drive financial inclusion in Islamic finance markets, adapting TSLC's technology for Sharia-compliant lending.
- Google PayflagshipEmbedded transformational partnership with Google Pay enabling credit access through the Google Pay platform for TSLC's financial services.
- AmazonflagshipEmbedded transformational partnership with Amazon for credit services distribution through Amazon's platform ecosystem.
- MastercardflagshipEmbedded transformational partnership with Mastercard for credit card and payment services distribution.
- WhatsAppflagshipCASHe became the first to offer instant loans through WhatsApp in India, enabling near-instant credit access through the messaging platform.
- AirtelflagshipEmbedded transformational partnership with Airtel for financial services distribution through their telecom platform.
- WalmartflagshipEmbedded transformational partnership with Walmart for credit services distribution through Walmart's retail ecosystem.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
TSLC competitors and assessment
Company assessmentDirect peers
- Tala: Tala is a mobile lending app operating across emerging markets (Kenya, Philippines, Mexico, India) that uses alternative data — including smartphone metadata — to underwrite credit-thin consumers. Same core model as TSLC's CASHe: AI-driven underwriting of unbanked millennials via a mobile app in frontier geographies.
- Branch International: Branch offers instant digital loans to consumers in Africa and India using smartphone-based alternative credit scoring. Closely comparable to CASHe/e-Rin in target customer, product (instant personal loans via mobile) and underwriting methodology.
- LenddoEFL: LenddoEFL provides alternative credit scoring using digital, social and psychometrics data for emerging-market lenders. Directly comparable to TSLC's SLQ offering on the B2B side — both license alternative-data scoring to financial institutions in frontier markets.
- Zest AI: Zest AI builds AI-based underwriting software licensed to lenders to improve credit decisions on thin-file borrowers. Comparable on the B2B credit-infrastructure layer that TSLC sells through its TSLC Alliance platform to bank partners.
- Kueski: Kueski is a Mexican online lender offering personal loans and BNPL to underserved consumers using alternative data and AI underwriting. Closely comparable to TSLC on product mix (BNPL + credit lines + personal loans) and target customer (thin-file Mexican consumers).
Broad incumbents
- Credit Karma: Credit Karma (Intuit) is a large-scale consumer credit-monitoring and personal-finance platform that uses alternative data to surface credit products. Compares to TSLC on consumer credit-data infrastructure, though focused on U.S. consumers with established bureau files.
- Fair Isaac (FICO): FICO is the dominant incumbent credit-scoring vendor globally. It is the traditional competitor TSLC's SLQ positions against — particularly in markets where FICO penetration is low but banks want AI-augmented alternatives.
- Experian: Experian is one of the three major global credit bureaus and increasingly offers alternative-data and fintech-data products. Represents the incumbent data layer that TSLC's alternative-scoring approach is positioned to complement or displace in emerging markets.
Emerging players
- Creditas: Creditas is a Brazil-based digital lending platform using alternative data and asset-backed underwriting. Comparable on emerging-market AI-driven consumer credit, though more focused on secured (auto/home equity) lending than TSLC's unsecured personal-credit focus.
- Stori: Stori is a Mexico-based digital credit-card issuer serving thin-file consumers via alternative underwriting. Adjacent comparable as a mobile-first emerging-market credit provider; differs in being card-led rather than personal-loan-led.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights7 records
Customer concentration
TSLC social profiles
Digital presenceTSLC financial estimates
Financial estimateRevenue estimate
Valuation estimate
TSLC leadership team
Management profileNumber of profiles
Profiles10 records
TSLC subsidiaries and ownership
Company hierarchySubsidiaries3 records
TSLC funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TSLC M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TSLC
What does TSLC do?
TSLC operates an AI/ML-powered credit enablement platform that underwrites and delivers digital credit products to underserved consumers in emerging markets. Through its CASHe app in India and e-Rin app in Bangladesh, it offers personal loans, BNPL, credit lines, and prepaid cards; through TSLC Alliance it white-labels its alternative credit scoring technology to banks and embeds credit services into partner platforms like Google Pay, Amazon, Mastercard, WhatsApp, Airtel, and Walmart.
Is TSLC a public or private company?
TSLC is a private company. It is classified as venture growth investor backed and is currently operating.
When was TSLC founded?
TSLC was founded in 2016. It employs 101 to 250 people.
Where is TSLC based?
TSLC is headquartered in Singapore, Singapore, in the Asia region.
How does TSLC make money?
Three revenue lines are on record. Digital Lending Interest Income is the primary driver. The others are credit Enablement Platform Licensing and platform Technology Services.
Who are TSLC's main competitors?
Direct peers on record are Tala, Branch International, LenddoEFL, Zest AI and Kueski. Broad incumbents are Credit Karma, Fair Isaac (FICO) and Experian. Emerging players are Creditas and Stori.
Does TSLC have an API?
No public API is recorded for TSLC.
What industry is TSLC in?
TSLC's product category is Digital Lending Platform. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 561450 and its SIC code is 6141.