Korea Investment Capital

What Korea Investment Capital does

Korea Investment Capital (한국투자캐피탈) is a private South Korean credit finance provider that operates as a comprehensive capital company (종합캐피탈사). Founded in 2015 and headquartered at Yeouido-daero 24, Yeongdeungpo-gu, Seoul, the firm offers a diversified portfolio of nine loan products spanning three business lines: corporate banking (기업금융, 투자금융, 중도금), consumer credit loans (직장인론, 자산플러스론, 오토플러스론, 우수고객추가론), and secured lending (사업자아파트담보대출, 전세보증금담보대출). It serves individual salaried borrowers, corporate clients requiring financing beyond traditional banking, and real estate borrowers needing housing or jeonse deposit-backed credit.

The company is a subsidiary of Korea Investment Financial Holdings (한국투자금융지주), part of the broader Korea Investment Group that includes Korea Investment Securities, Korea Investment Trust Management, Korea Investment Value Asset Management, Korea Investment Partners, Korea Investment Savings Bank, and Korea Investment Private Equity. Core technology is not publicly disclosed; loan distribution occurs through the official website (kicf.co.kr) with online applications, toll-free phone service (1670-0800), and an ARS automated response system, all targeting individual consumers and SMBs domestically in South Korea. The company operates with 51-100 employees, holds no public listing, has no disclosed funding rounds, no M&A activity, and no disclosed revenue or pricing details beyond generic statements that interest rates vary by creditworthiness and loan type.

Name

Korea Investment Capital

Legal name

KOREA INVESTMENT CAPITAL CO., LTD

Website

https://kicf.co.kr

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Korea Investment Capital (한국투자캐피탈) is a private South Korean credit finance provider and subsidiary of Korea Investment Financial Holdings, offering corporate finance, consumer credit loans, housing collateral, and jeonse deposit loans to individual borrowers and corporate clients domestically.

Ownership category

akta.pro rank

Headquarters

HQ city

Yongdungpo

HQ country

South Korea

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Distribution channels1 record

Marketing channels3 records

Core offering

Korea Investment Capital operates as a comprehensive capital company providing credit finance services in South Korea. It offers corporate financial products including corporate finance, investment finance, and bridge loans for businesses, alongside consumer loan products such as salaried worker loans, asset-backed loans, auto loans, premium customer additional loans, business owner apartment collateral loans, and jeonse deposit collateral loans for individuals.

Product overview

Korea Investment Capital operates as a comprehensive capital company offering a diversified portfolio of loan products. The company provides corporate banking services (기업금융) including corporate finance, investment finance, and bridge loans for businesses, alongside consumer credit loan products (신용대출) such as worker loans, asset-backed loans, auto loans, and premium customer additional loans. The company also offers secured housing loans for business owners using apartment collateral and jeonse deposit collateral loans for tenants. This multi-product structure allows Korea Investment Capital to serve both corporate and individual customers with tailored financing solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• 직장인론 (Worker/Employee Loan)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights4 records

Direct peers

• KB Capital: Subsidiary capital company of KB Financial Group offering installment financing, auto loans, and personal credit; structurally analogous to KIC as a bank-group-affiliated 종합캐피탈사.
• Hana Capital: Hana Financial Group's capital company offering auto, personal, and corporate loans; same 종합캐피탈사 classification and overlapping consumer/SME credit products as KIC.
• Lotte Capital: Korean non-bank capital company offering consumer credit, auto, and corporate loans; directly comparable to KIC's product mix and target segments within the Korean 종합캐피탈사 category.
• Samsung Capital: Capital arm affiliated with Samsung Group providing consumer installment, auto, and corporate financing; directly competitive in Korean consumer and SME lending markets like KIC.
• Shinhan Capital: Shinhan Financial Group's capital arm providing personal loans, corporate finance, and lease financing; directly comparable business model and product set to KIC.
• Hyundai Capital: One of Korea's largest capital companies, providing auto financing, personal credit, and corporate loans; comparable in product breadth and Korean consumer/SME focus, though materially larger in scale.
• Mirae Asset Capital: Mirae Asset-affiliated capital company providing personal credit, auto, and corporate finance; comparable product portfolio and Korean retail/SME customer base to KIC.
• JB Woori Capital: Bank-affiliated Korean capital company offering personal, auto, and corporate loans; same regulatory and competitive context as KIC within the 종합캐피탈사 landscape.

Regional players

• BNK Capital: BNK Financial Group's capital arm providing installment financing and personal credit in Korea; comparable 종합캐피탈사 model and target segments to KIC.
• Korea Investment Savings Bank: Sister company within the Korea Investment Financial Holdings group; a Korean mutual savings bank offering consumer and SME deposits and loans — adjacent business model and shared customer ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Korea Investment Capital