SpeedyCash
SpeedyCash is a Bangkok-based, Ministry of Finance-licensed Pico Finance digital micro-lender offering short-term loans (7/10/15-day terms up to 6,000 THB) to underbanked Thai consumers via a self-serve mobile and web platform.
- Company typePrivate
- Founded2020
- HeadquartersBangkok, Thailand
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What SpeedyCash does
SpeedyCash (บริษัท สปีดี้แคช จำกัด) is a Bangkok-based, Ministry of Finance-licensed Pico Finance digital micro-lender founded in August 2020 with 5,000,000 THB in registered capital. The company targets underbanked Thai consumers in the Bangkok Metropolitan Region who lack collateral, lack credit bureau history, or have been rejected by traditional banks, with three defined segments: salaried employees earning at least 10,000 THB per month, business owners earning at least 15,000 THB per month, and gig workers (food/delivery riders, motorcycle taxi drivers) whose income is verified via rider profiles or earnings screenshots rather than standard payslips.
The operating product surface is built on a 100% digital, self-serve platform delivered via an Android mobile application and a web portal (app.speedy-cash.co) compatible with PC, Android, and iOS browsers. Core technical capabilities include selfie-plus-national-ID KYC, income verification, loan management, repayment tracking, QR-code payment, and 24-hour disbursement to a borrower savings account. The same engine is commercialized externally as "SC Loan Solution," a B2B white-label digital lending system offered to other Pico Finance operators in Basic, Standard, and Premium tiers, with Premium adding credit scoring, risk scoring, NPL reporting, and quarterly audits. The consumer product set comprises short-term loans in 7, 10, and 15-day tenors (interest 0.35%-0.75%, service fees 9%-15%, late interest 0.75%-0.95% per day) at three principal brackets of 910, 1,760, and 2,550 THB, with maximum approved amount capped at 6,000 THB per transaction. A 62-day installment product (S1/S2/S3 tiers) is currently temporarily suspended.
The business model is a transaction-fee micro-lending book, with all interest and service fees combined capped at 36% per annum under Pico Finance regulation. Go-to-market is product-led and organic: SpeedyCash states it does not proactively contact customers, relying instead on a social presence across Facebook, LINE, Instagram, TikTok, and YouTube plus a content/blog channel covering financial literacy, scam warnings, and anti-illegal-lender messaging. Geographic operations are explicitly restricted to the Bangkok Metropolitan Region. Headcount is reported as 11-50; no parent company, external investors, or funding rounds are disclosed in the input data.
SpeedyCash firmographics
Firmographics- Name
- SpeedyCash
- Legal name
- บริษัท สปีดี้แคช จำกัด
- Website
- https://speedy-cash.co
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SpeedyCash is a Bangkok-based, Ministry of Finance-licensed Pico Finance digital micro-lender offering short-term loans (7/10/15-day terms up to 6,000 THB) to underbanked Thai consumers via a self-serve mobile and web platform.
- Ownership category
- akta.pro rank
SpeedyCash industry classification
Industry- Product category
- Consumer Microfinance
- NAICS
- Credit Intermediation and Related Activities (522)
- akta.pro primary industry
- Single-Payment Payday Loans (FSAKAMAA)
- akta.pro secondary industry
- Cash Advance (Online & Storefront) (FSAKAMAC)
Keywords
Where SpeedyCash is headquartered
LocationHeadquarters
- HQ city
- Bangkok
- HQ country
- Thailand
- HQ region
- Asia
Offices1 record
Markets served
SpeedyCash business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Short-term Loan Interest & Service Fees: Revenue generated from interest charges and service fees on short-term personal loans with terms of 7, 10, and 15 days. Total interest plus service fee capped at 36% per annum under Pico Finance regulations. The 62-day loan product is temporarily suspended.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Short-term Loan — 7-day term: 0.35% interest + 9.00% service fee |
| Unit Pricing | Pay-as-you-go | Short-term Loan — 10-day term: 0.50% interest + 12.00% service fee |
| Unit Pricing | Pay-as-you-go | Short-term Loan — 15-day term: 0.75% interest + 15.00% service fee |
| Unit Pricing | Pay-as-you-go | 62-Day Loan — 3-tier loan packages (S1/S2/S3) — currently suspended |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
SpeedyCash product offering
Product offeringCore offering
SpeedyCash operates a fully digital micro-lending platform licensed under Thailand's Pico Finance framework, offering short-term personal loans of 7, 10, or 15 days with principal amounts of 910-2,550 THB and a maximum credit limit of 6,000 THB per transaction. The company serves underbanked consumers in Bangkok with no collateral requirements and no credit bureau checks, with funds disbursed within 24 hours. Additionally, SpeedyCash sells SC Loan Solution, a B2B white-label digital lending platform offered to other Pico Finance operators in Basic, Standard, and Premium tiers.
Product overview
SpeedyCash operates as a unified brand under Pico Finance (พิโกไฟแนนซ์), Thailand's regulated microfinance framework. The company offers two consumer lending products: Short-Term Loans (7/10/15-day terms) and the temporarily suspended 62-Day Loan, both providing up to 6,000 baht credit limits without collateral. Additionally, SpeedyCash offers the SC Loan Solution, a B2B white-label digital lending platform system available in Basic, Standard, and Premium tiers for other Pico Finance operators seeking to digitize their operations.
Differentiator
Problem solved
Functional benefit
Brands
- SC Loan Solution: A B2B digital lending system solution for Pico Finance operators, available in Basic, Standard, and Premium packages with features including KYC, loan request management, repayment tracking, QR code payments, credit scoring, and risk assessment.
Products and services
- Short-Term Loan (สินเชื่อระยะสั้น) Short-term personal loan with flexible repayment terms of 7, 10, or 15 days. Interest rates range from 0.35% to 0.75% per period with service fees of 9-15%. Maximum credit limit of 6,000 baht per application. No collateral required. Targeted at salaried employees and small business owners in Bangkok with minimum monthly income of 10,000-15,000 THB.
- 62-Day Loan (สินเชื่อ 62 วัน) 62-day installment loan with three tiers (S1: 2,000 baht, S2: 4,000 baht, S3: 6,000 baht). Interest rate of 20% and 5% service fee per package. Available exclusively through Google Play Store app. Currently temporarily suspended.
- SC Loan Solution White-label digital lending platform system for Pico Finance operators. Three packages: Basic (KYC, loan requests, bank repayment, 1 loan package), Standard (adds QR code repayment, NPL reports, overdue tracking, 3 packages), and Premium (adds credit scoring, risk scoring, quarterly audits, 5 packages, custom development). Operates online for both lender and borrower.
Quantifiable outcome
- Funds disbursed to savings account within 24 hours of approval
- +1 more outcomes
Companies that use SpeedyCash
Customer profileSegments3 records
Ideal customer profiles4 records
SpeedyCash technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
SpeedyCash partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Pico Finance Operators (B2B SC Loan Solution customers)minorSpeedyCash offers its SC Loan Solution digital lending platform to other Pico Finance (ธุรกิจสินเชื่อพิโกไฟแนนซ์) operators on a SaaS basis. These operators subscribe to Basic, Standard, or Premium tiers to digitize their own lending operations. This represents a B2B2C channel where SpeedyCash enables other Pico Finance companies to serve their own end customers.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
SpeedyCash competitors and assessment
Company assessmentDirect peers
- AEON Thailand: Thailand-based consumer finance company offering installment and personal loans to lower- and middle-income Thai borrowers without requiring collateral. Same Thai regulatory ecosystem and overlapping underbanked customer base as SpeedyCash.
- Singer Thailand: Thai consumer finance operator providing installment financing for consumer goods and personal loans to mass-market Thai borrowers. Comparable single-country Thai lender targeting similar income segments.
Broad incumbents
- Ascend Money (TrueMoney): Thailand's largest digital financial services platform, offering e-wallet, payments, and consumer lending products. Overlaps with SpeedyCash in micro-lending to Thai consumers but operates with a much broader portfolio.
- Kasikornbank (KBank): Thailand's largest universal bank by digital lending footprint via K PLUS, offering personal loans and nano-financing. Highly comparable personal-loan product surface, but operates with vastly larger scale and balance sheet.
- Krungthai Bank: Major Thai universal bank operating Krungthai NEXT digital channel with consumer and small-business loan products. Overlaps SpeedyCash's personal lending to Thai salaried workers but at materially larger scale.
- Siam Commercial Bank (SCB): Top-three Thai universal bank offering personal loans, nano-finance, and digital lending through SCB Easy app. Comparable consumer credit origination activity; serves many of the same Bangkok customers via different distribution.
Regional players
- Akulaku: Indonesia-headquartered digital consumer finance platform serving underbanked SEA borrowers with small-ticket, mobile-first loans via app and web. Closely mirrors SpeedyCash's online micro-lending model but operates across SEA rather than Thailand.
- Home Credit Indonesia: SEA consumer finance provider serving unbanked and thin-file borrowers with installment and small-ticket credit. Comparable customer target (underbanked mass market) and product structure, with broader geographic reach than SpeedyCash.
- Atome: SEA pay-later / consumer credit platform offering short-tenor digital credit at point of sale via mobile app. Thematically adjacent to SpeedyCash's short-term, mobile-first consumer credit underwriting but skewed toward BNPL over cash loans.
Emerging players
- Kredivo: Indonesia-based fintech providing digital consumer credit and pay-later products to underbanked borrowers via mobile app. Mirrors SpeedyCash's digital, no-collateral, small-ticket credit underwriting model with scoring-based approval.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
SpeedyCash social profiles
Digital presenceSpeedyCash compliance and trust
Trust signalCompliance2 records
SpeedyCash financial estimates
Financial estimateRevenue estimate
Valuation estimate
SpeedyCash leadership team
Management profileNumber of profiles
SpeedyCash funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SpeedyCash M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SpeedyCash
What does SpeedyCash do?
SpeedyCash operates a fully digital micro-lending platform licensed under Thailand's Pico Finance framework, offering short-term personal loans of 7, 10, or 15 days with principal amounts of 910-2,550 THB and a maximum credit limit of 6,000 THB per transaction. The company serves underbanked consumers in Bangkok with no collateral requirements and no credit bureau checks, with funds disbursed within 24 hours. Additionally, SpeedyCash sells SC Loan Solution, a B2B white-label digital lending platform offered to other Pico Finance operators in Basic, Standard, and Premium tiers.
Is SpeedyCash a public or private company?
SpeedyCash is a private company. It is classified as unknown and is currently operating.
When was SpeedyCash founded?
SpeedyCash was founded in 2020. It employs 11 to 50 people.
Where is SpeedyCash based?
SpeedyCash is headquartered in Bangkok, Thailand, in the Asia region.
How does SpeedyCash make money?
One revenue line is on record: short-term Loan Interest & Service Fees.
Who are SpeedyCash's main competitors?
Direct peers on record are AEON Thailand and Singer Thailand. Broad incumbents are Ascend Money (TrueMoney), Kasikornbank (KBank), Krungthai Bank and Siam Commercial Bank (SCB). Regional players are Akulaku, Home Credit Indonesia and Atome. Kredivo is listed as an emerging player.
Does SpeedyCash have an API?
No public API is recorded for SpeedyCash.
What industry is SpeedyCash in?
SpeedyCash's product category is Consumer Microfinance. Its primary akta.pro industry code is FSAKAMAA, Single-Payment Payday Loans, with a secondary code of FSAKAMAC, Cash Advance (Online & Storefront). Its NAICS code is 522.