Best Alternative Lending Companies in Beijing, China

PINTEC provides retail financial solutions for financial institutions. Offers a credit decisioning solution; asset allocation solutions; an online mutual fund distribution solution. Also offers insurance services to individual clients and real-time consumer information to insurance companies.

Funding rounds

• Mar 2023Post IPO$4M
• Jun 2018Series C$103M
• 2014Series A$10M

Founders & team

Xiaomei PengCo-Founder & DirectorZexiong HuangCEOZhou JingPresident

Investors

Ventech China, Sina, Mandra Capital, STI Financial Group, Shunwei Capital, Zhong Capital

Tech stack

BootstrapJqueryCloudflare Bot ManagementFont AwesomeHstsCloudflare

Blockchain-based credit data marketplace. The platform leverages Ontology technology to build a network that provides multiple services like credit data exchange, credit scoring, and financial services. It provides zero-knowledge-based authentications, automated trade negotiations, and enforcement via smart contract and data authentication mechanisms.

Funding rounds

• Mar 2022Series A—
• Feb 2020Series A—
• Jul 2018Seed$8M
• 2017Angel$1.5M

Founders & team

Kate ShenCo-FounderSarah ZhangCo-Founder

Investors

K2VC, Cherubic Ventures, Ceyuan Ventures, Nest Bio Ventures, 4Paradigm, Shenzhen Capital Group

51credit.com is a P2P platform for consumer and business loans. It offers loans such as personal loans, vehicle loans, healthcare loans, working capital loans, trade financing, and more. It also provides credit cards for online/offline purchases, money transfers, cash withdrawal, bill payments, and more.

Funding rounds

• Oct 2016Series C$84M
• Sep 2016Series C$310M
• Sep 2015Series B$10M
• Feb 2015Series B$50M

Founders & team

Tu ZhiyunCo-Founder & CEOSunny LeungCo-FounderXu RongqiCEO

Investors

Meridian Capital, Bodhi Investments, SIG China, Yiyuan Investment, Harvest Capital, Yintai Group

Tech stack

Hsts

Developer of an online lending platform for cross-border trades. It offers credit loans for e-commerce export companies without collateral. Its products include Trade wind for cross-border cash withdrawal and collection, Trade exchange to collect payments from cross-border merchants and enterprises, Wild card a payment service provider which enables international payments over multiple countries and currencies, Big data service for credit rating, risk management, decision-making solutions, and more.

JD Finance provides an online platform for consumer and business loans. It provides loans such as personal loans, collateral-based loans, healthcare loans, gold loans, working capital loans, and more. It also provides solutions for crowdfunding, investment management, stocks, insurance, and more. It offers an app-based platform that is available on iOS devices.

Funding rounds

• Jan 2016Series A$1B

Founders & team

Richard LiuFounder & CEO

Investors

Ample Harvest Finance, China Taiping Insurance Group, Sequoia Capital China, RiverHead Capital, Bright Stone Fund Management, Vision Knight Capital

Bi Cai offers a comparison platform for financial products. It offers comparisons for debt funds, monetary funds, savings accounts, and more. It also provides tools for financial wealth management. It uses artificial intelligence to choose the product that suits the user and recommends financial management products.

Funding rounds

• Apr 2020Series B$14.1M
• Jul 2018Series B$14.6M
• Jul 2017Series A$9.4M

Founders & team

Ben ShuoCEO

Investors

Zhongke China Merchants Investment Management Group, Oriental Group, Richland Equities, Bojiang Capital

Rong 360 is an online comparison platform for financial products. It provides a comparison for consumer & business loans, mortgage loans, credit cards, and more. It also provides advisory services. It provides comparison from multiple banks and lenders.

Funding rounds

• Oct 2015Series D$158M
• Jul 2014Series C$60M
• Jul 2013Series B$30M
• Mar 2012Series A$7M

Founders & team

Lu JiayanCo-Founder & COOCaofeng LiuCo-Founder & CTO

Investors

Zero2IPO Ventures, Kleiner Perkins, Luminous Ventures, Sequoia Capital China, Pavillion Capital, Yunfeng Capital

Tech stack

NginxNode.JsNuxt.JsOpenrestyPhpVue.Js

Mljr is a consumer financial services company. They currently finances the borrower side, to buy a used car, electronic products on a monthly installment services. CEO claims that the borrower's true purpose is known and the customer at the scene is actually provided a commodity rather than cash is an accurate model. It has raised series B round of funding. Team comprises of Co-founder of Yooli.com, a P2P lending platform. As of Apr 2016, it has covered 170 cities in 27 provinces and has about 30000 users with a cumulative loan amount over $363M

Fenqile allows users, primarily college students, to buy electronics they otherwise couldn’t afford via short- and long-term payment plans. The site has partnered with some of China’s largest ecommerce players, and allows users to pick up products like iPads and smartphones without paying the full price up front. Users can choose the length of the plan they want – options range from 3 months up to 18 months – and the interest rate varies accordingly. In the first half of 2016, It claims its customers bought $1.5B worth of products

Wise Technology provides credit assessment solutions based on big data, artificial intelligence and cloud computing technologies. It utilizes call behaviour, location behaviour, mobile application behaviour, and more to predict the level of fraud risk. Financial institutions can develop credit strategies and optimize collection operations using the borrower's information through the development of intelligent models and strategies.

Funding rounds

• May 2019Series A$94.1M
• Jul 2018Seed$14.7M

Founders & team

Chen JianCo-FounderHuang JianCo-FounderHuang YueCo-Founder

Investors

Boya Capital Partners, Huagai Capital, Sino-Ocean, Green Pine Capital Partners, Hua Chuang Capital

KnowLeGene offers AI, NLP, and big data enabled credit scoring risk management platform to banks. The platform considers data points like trade data, capital flow data, industrial and commercial tax customs data, enterprise water use data, etc to rate businesses. Clients include clients include the National Development Bank, Bank of Beijing, Jingdong Finance among others.

Funding rounds

• Mar 2020Series B$14.3M
• Feb 2018Series A$15.8M
• May 2017Seed$1.4M

Founders & team

Ren LiangFounder & CEO

Investors

Jinke Junchuang Capital, Zhonghao Investment, Lingfeng Capital, Marathon Venture Partners, Source Code Capital

Duanrong is an online platform for consumer P2P loans. Most of the loans are for purchasing automobiles, although they have also introduced lending on mortgages, personal loans and small business loans. Claims to offer ~8% return on investments. Claims that its valuation is $150Mpost-money after Series B funding.