Mango Finance
Mango Finance PLC is a Cambodia-based digital microfinance institution founded in 2021, licensed by the National Bank of Cambodia. It serves over 150,000 unbanked individuals with four small-ticket loan products under a 100% branchless, alternative-credit-scoring model.
- Company typePrivate
- Founded2021
- HeadquartersPhnom Penh, Cambodia
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Mango Finance does
Mango Finance PLC is a Cambodia-based digital microfinance institution founded in 2021 and headquartered in Phnom Penh. The company operates as what it describes as Cambodia's first and only 100% digital microfinance institution, with a fully branchless operating model and no physical paperwork required across the loan lifecycle. Its core technology is a proprietary alternative credit scoring algorithm and engine that assesses creditworthiness of unbanked and underbanked Cambodian borrowers without relying on traditional credit history, bank accounts, or collateral — and without house checks. The model enables loan approvals in approximately 30 minutes and dealer partner settlements within 48 hours.
Mango Finance offers four lending products: a Personal Quick Loan (up to $1,000, 12-month tenure), a Consumer Electronics Loan (up to $2,000, 24-month tenure), a 2-Wheel Motorbike Loan (up to $5,000, 48-month tenure), and a 3-Wheel Auto Rickshaw (Tuk-Tuk Bajaj) Loan (up to $5,000, 48-month tenure). It is licensed and regulated by the National Bank of Cambodia and was capitalized by Dubai-based Vipar Auto FZCO at founding. The company has reported direct access to over 150,000 customers through its digital platform.
The business model is built on three revenue mechanics. The primary stream is interest income on the micro-loan portfolio, structured with fixed 12–48 month tenures and what the company describes as competitive, appropriate, and affordable pricing with no hidden fees. A secondary stream is dealer partner commissions and referral revenue, generated through a network of motorcycle, electronics, and mobile phone retailers that facilitate loan applications at the point of sale. Customer acquisition is driven by a commissioned agent referral network operating community-led in unbanked Cambodian communities, alongside a digital self-serve application platform at mangofinance.net (Khmer and English). Loan repayments are collected digitally via three Cambodian banks: ABA Bank, Wing Bank, and Maybank. Strategic commercial partnerships include Bajaj (Cambodia's #1 3-wheeler brand) for 100% LPG-powered transportation financing and Eureka Forbes for UV water purifier financing — both framed as ESG-aligned consumption-credit verticals.
Mango Finance firmographics
Firmographics- Name
- Mango Finance
- Legal name
- Mango Finance PLC
- Website
- https://mangofinance.net
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Mango Finance PLC is a Cambodia-based digital microfinance institution founded in 2021, licensed by the National Bank of Cambodia. It serves over 150,000 unbanked individuals with four small-ticket loan products under a 100% branchless, alternative-credit-scoring model.
- Ownership category
- akta.pro rank
Mango Finance industry classification
Industry- Product category
- Digital Microfinance
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
- akta.pro secondary industry
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)
Keywords
Where Mango Finance is headquartered
LocationHeadquarters
- HQ city
- Phnom Penh
- HQ country
- Cambodia
- HQ region
- Asia
Offices1 record
Markets served
Mango Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Micro-lending Interest Income: Mango Finance generates revenue primarily through interest income on micro-loans extended to customers for personal loans, consumer electronics, motorbikes, and 3-wheel auto rickshaws (Tuk-Tuk Bajaj). Loans are structured with fixed repayment tenures ranging from 12 to 48 months and are priced with competitive, appropriate, and affordable interest rates.
- Dealer Partner Commission / Referral Revenue: Revenue is also generated through dealer partner channel, where dealers facilitate loan applications for customers purchasing products (motorcycles, electronics, mobile phones). Payments to dealers are approved within 48 hours of loan approval.
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Mango Finance product offering
Product offeringCore offering
Mango Finance PLC is a 100% digital, branchless microfinance institution that provides small-ticket loans ($1,000–$5,000 USD) to unbanked Cambodian individuals for personal cash flow needs, consumer electronics, motorcycles, and 3-wheel auto rickshaws. Loan applications are approved digitally in 30 minutes via an alternative credit scoring engine, with no physical paperwork or house checks required. Repayments are collected digitally through partner banks ABA, Wing, and Maybank.
Product overview
Mango Finance PLC is a digital microfinance institution offering four distinct lending products: Personal Quick Loan (up to $1,000, 12 months), Consumer Electronics Loan (up to $2,000, 24 months), 2-Wheel Motobike Loan (up to $5,000, 48 months), and 3-Wheel Auto Rickshaw Loan (up to $5,000, 48 months). The company operates as Cambodia's first and only 100% digital MFI with a branchless structure, leveraging an alternative credit scoring algorithm and engine to serve customers without traditional banking access. Loan applications can be approved in 30 minutes, and repayments are made through ABA Bank, Wing Bank, or Maybank.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Quick Loan A digital personal quick loan for customers who need to manage unforeseen cash flow issues. Loan amounts up to $1,000 USD with a 12-month repayment period. Approved in 30 minutes via Mango Finance's alternative credit scoring engine, with no physical paperwork or house checks.
- Consumer Electronics Loan A digital loan enabling customers to buy personal or household electronics from preferred brands without needing a credit card. Loan amounts up to $2,000 USD with a 24-month repayment period.
- 2-Wheel Motobike Loan A digital motorbike financing product for basic transportation or as an income-generation tool. Loan amounts up to $5,000 USD with a 48-month repayment period.
- 3-Wheel Auto Rickshaw Loan A digital loan product for owning a 3-wheel auto rickshaw (tuk-tuk) to support livelihood and generate income. Loan amounts up to $5,000 USD with a 48-month repayment period. Mango Finance partners with Bajaj, Cambodia's #1 3-wheeler brand, for 100% LPG-powered vehicles (UN IPCC zero global-warming-potential fuel).
Quantifiable outcome
- Over 150,000 customers served since founding in 2021
- +3 more outcomes
Companies that use Mango Finance
Customer profileSegments3 records
Ideal customer profiles3 records
Mango Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability1 record
Feature3 records
Mango Finance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship and core.
- Bajaj (Cambodia)flagshipMango Finance is partnered with Bajaj (Cambodia's #1 3-wheeler brand) to finance 100% LPG-powered auto rickshaws (Tuk-Tuk Bajaj) for public transportation. This is a flagship ESG-aligned partnership supporting clean transportation infrastructure in Cambodia, with LPG assigned a global warming potential of zero by the UN IPCC.
- Eureka ForbescoreMango Finance partners with Eureka Forbes to finance water purifiers using patented UV technology, improving access to cleaner drinking water for Cambodian households while reducing plastic waste. This addresses the market gap where the majority of Cambodia lacks direct access to potable water and relies on unregulated bottled water.
- ABA BankcoreABA Bank is a banking partner enabling Mango Finance customers to make loan repayments digitally. ABA account number for Mango Finance loan payments is 002979335. ABA is one of Cambodia's largest retail banks.
- Wing BankcoreWing Bank is a banking partner enabling Mango Finance customers to make loan repayments digitally. Wing account number for Mango Finance loan payments is 6165.
- MaybankcoreMaybank is a banking partner enabling Mango Finance customers to make loan repayments digitally. Maybank account number for Mango Finance loan payments is 000030200082108.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Mango Finance competitors and assessment
Company assessmentDirect peers
- Hattha Bank (Cambodia): Hattha Bank is one of the largest microfinance institutions in Cambodia, offering small-dollar loans and deposit services to underbanked consumers. Directly competes with Mango for the same unbanked Cambodian borrower base, though it operates physical branches.
- Tala: Tala is a mobile-first digital lender using alternative data (smartphone metadata, app behavior) to underwrite unbanked borrowers in emerging markets (Mexico, Philippines, India, Kenya). Closely mirrors Mango's alternative-credit, branchless, small-ticket personal loan model.
- Sathapana Bank (Cambodia): Sathapana Bank is a Cambodian bank with roots as an MFI, offering micro-loans, SME lending, and digital financial services. Competes with Mango across the unbanked and small-business lending segments in Cambodia.
- AMK Microfinance (Cambodia): AMK Microfinance is a Cambodian MFI serving rural and peri-urban households with micro-loans and savings products. Targets the same unbanked segment Mango addresses, providing direct competition in the Cambodian microfinance market.
- LOLC Cambodia: LOLC Cambodia is the Cambodian arm of Sri Lanka-based LOLC Group, one of the world's largest microfinance networks. Competes directly with Mango in Cambodia's MFI market with deeper capitalization and broader product range.
- Branch International: Branch International is a digital lender that uses alternative credit scoring and mobile data to serve underbanked consumers in emerging markets (Kenya, Nigeria, India, Mexico). Highly comparable to Mango Finance in its mobile-first underwriting, small-dollar personal loan focus, and absence of physical branches.
- Kredit Microfinance (Cambodia): Kredit Microfinance is a Cambodian MFI offering small-ticket personal and business loans to underbanked customers. Overlaps directly with Mango's target market and product offerings in Cambodia.
Emerging players
- Wing Bank (Cambodia): Wing Bank is a leading digital-first bank in Cambodia offering mobile wallets, consumer loans, and payments. Currently serves as a Mango payment partner, but also extends its own digital consumer credit products to overlapping unbanked segments — a partial competitor and emerging digital MFI.
- J Trust Bank (Cambodia): J Trust Bank operates across Southeast Asia, including Cambodia, with consumer and SME lending products. Provides regional context as a digital-leaning lender competing for similar Southeast Asian unbanked and small-business customers.
Broad incumbents
- ACLEDA Bank (Cambodia): ACLEDA Bank is Cambodia's largest commercial bank with a significant microfinance and SME lending portfolio. Serves overlapping unbanked and SME segments but operates as a full-service incumbent bank with much broader scope than Mango.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Mango Finance social profiles
Digital presenceMango Finance compliance and trust
Trust signalCompliance1 record
Mango Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mango Finance leadership team
Management profileNumber of profiles
Mango Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mango Finance 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 Mango Finance
What does Mango Finance do?
Mango Finance PLC is a 100% digital, branchless microfinance institution that provides small-ticket loans ($1,000–$5,000 USD) to unbanked Cambodian individuals for personal cash flow needs, consumer electronics, motorcycles, and 3-wheel auto rickshaws. Loan applications are approved digitally in 30 minutes via an alternative credit scoring engine, with no physical paperwork or house checks required. Repayments are collected digitally through partner banks ABA, Wing, and Maybank.
Is Mango Finance a public or private company?
Mango Finance is a private company. It is classified as corporate owned and is currently operating.
When was Mango Finance founded?
Mango Finance was founded in 2021. It employs 51 to 100 people.
Where is Mango Finance based?
Mango Finance is headquartered in Phnom Penh, Cambodia, in the Asia region.
How does Mango Finance make money?
Two revenue lines are on record. Micro-lending Interest Income is the primary driver. The others are dealer Partner Commission / Referral Revenue.
Who are Mango Finance's main competitors?
Direct peers on record are Hattha Bank (Cambodia), Tala, Sathapana Bank (Cambodia), AMK Microfinance (Cambodia), LOLC Cambodia, Branch International and Kredit Microfinance (Cambodia). Emerging players are Wing Bank (Cambodia) and J Trust Bank (Cambodia). ACLEDA Bank (Cambodia) is listed as a broad incumbent.
Does Mango Finance have an API?
No public API is recorded for Mango Finance.
What industry is Mango Finance in?
Mango Finance's product category is Digital Microfinance. Its primary akta.pro industry code is FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 5222 and its SIC code is 6141.