Beidai

What Beidai does

Beidai (beidai.com) is described in the available firmographic record as a consumer financial platform offering pure online credit loans, with its public surface limited to a single loan landing page at beidai.com/loan/main.html. No mobile application has been published under the brand, and no additional product, pricing, or underwriting information is disclosed in the input. The business model, in so far as it can be reconstructed, would be a direct-to-consumer online lending proposition — credit decisions originated through a web funnel rather than a physical branch or mobile app — targeting individual borrowers seeking unsecured credit in China.

Crucially, the operational state implied by the firmographics conflicts with the observable web presence. Scraped content shows that the beidai.com domain is currently listed for sale across multiple domain aftermarket marketplaces, including Afternic, Aliyun, Nameslink, Dynadot, and Sedo. That pattern is typical of an inactive or wound-down operator parking the asset for divestiture, rather than an ongoing lending business. There is no visible servicing flow, no active loan product page beyond the single landing URL, and no referenced team, funding, or regulatory credentials in the supplied material.

For an investment audience, the central fact is the absence of evidence of a live, revenue-generating consumer-lending operation. Any thesis predicated on Beidai as an active online credit platform needs to verify operating status independently before underwriting; the inputs as supplied support a dormant-or-wind-down characterization rather than a going-concern profile.

Name

Beidai

Website

https://beidai.com

Company type

Private

Short description

Beidai is described as a consumer financial platform offering pure online credit loans via its beidai.com web funnel. No mobile app, customer base, funding, or operating data is available, and the domain is listed for sale across multiple aftermarket marketplaces.

Ownership category

akta.pro rank

Product category

Online Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Online credit loans
• Consumer lending
• Personal loans
• Digital lending
• Consumer finance

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Beidai operates as a consumer financial platform that delivers pure online credit loans to individual borrowers. The service is delivered entirely online, suggesting a digital application and underwriting flow without physical branch presence. The platform targets consumers seeking short-term or personal credit through a streamlined web interface at beidai.com/loan/main.html.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Credit Loans Pure online credit loans extended to individual consumers through the Beidai digital platform, with the entire application, underwriting, and disbursement process delivered via the web.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves2 records

Direct peers

• Qudian Inc. Qudian is an online consumer credit platform originating small-ticket, short-term installment loans via mobile channels, closely aligned with an online-only consumer lending model.
• Yixin Group: Yixin provides online auto- and consumer-finance transaction services through a tech-enabled lending platform, comparable in online origination and credit intermediation mechanics.
• CreditEase: CreditEase is a China-based fintech focused on online consumer credit, wealth management, and P2P lending — overlapping directly in the online personal credit product space.
• LexinFintech Holdings: Lexin runs an online consumer finance platform serving young, mobile-first borrowers with installment and revolving credit products — directly comparable to a pure online consumer credit lender.
• Yiren Digital (Yirendai): Yiren Digital operates an online consumer finance platform providing unsecured personal loans to Chinese borrowers via a mobile app, matching the pure online credit loan thesis.
• Lufax Holding: Lufax operates one of China's largest online consumer and small-business lending platforms, directly comparable to a 'pure online credit loans' consumer financial platform.
• PPdai Group (Xinjiang FinTech): PPdai is a China-based online consumer lending marketplace that originates and intermediates unsecured personal loans, structurally similar to a 'pure online credit loans' platform.

Broad incumbents

• Ant Group: Ant Group is a broad fintech incumbent whose Huabei and Jiebei products dominate online consumer credit in China; it is a key competitive reference point for any online consumer lender.
• WeBank: WeBank is Tencent-backed, the first digital-only bank in China, and a major online consumer and SME lender, setting the standard for scaled online credit origination.

Emerging players

• CashBUS: CashBUS focuses on small-ticket, mobile-first online consumer loans in emerging markets; comparable as a niche, mobile-only online credit lender, though typically operating outside China.

Market position

Strengths2 records

Weaknesses3 records

Competitive moat1 record

Key risks4 records

Key highlights2 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 Beidai