Best Alternative Lending Companies in Shanghai, China
The 56 best Alternative Lending companies in Shanghai, China in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Lufax.
Ranked: Best Alternative Lending companies in Shanghai
| # | Company | Disclosed funding | Last round | Stage | Founded | Founder | Employees | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Lufax 🦄 Online P2P lending platform for personal loans 79Market top 19%Funding top 27%Talent top 28%Moat top 31% All 6 signals ▾Markettop 19% Fundingtop 27% Talenttop 28% Moattop 31% Newsbottom 38% Globalbottom 38% Market: 71,034 employees (top 1% of FinTech) · Unicorn (valued $38.0B) Funding: Raised $3.0B across 3 rounds · 3 rounds over 11 yrs (0.3/yr) rank vs industry peers · Fliar Intelligence Index 79/100 | $3.0B | 74 mo ago | Public | 2011 | Xiang Ji Co-CEO | 71,034 | — | — |
| 2 | Yixin Group Online lending marketplace for auto financing | $580M | 97 mo ago | Acquired | 2013 | Zhang Xuan Chairman & CEO | 3,947 | 94 patents Patents concentrated in computing, sensing & instrumentation | — |
| 3 | Dianrong 🦄 P2P platform for personal loans | $549M | 84 mo ago | Series E | 2012 | Kevin Guo Co-Founder & Co-CEO | 3,500 | 34 patents Advanced tractor drivetrain and climate‑friendly agricultural machinery technologies | — |
| 4 | IceKredit Credit assessment solutions for financial institutions | $159M | 63 mo ago | Series C | 2015 | — | 277 | — | — |
| 5 | Maizijf Alternative lending platform | $136M | 110 mo ago | Series B | 2015 | Huang Darong Founder & CEO | — | — | — |
| 6 | China Rapid Finance A P2P lender of consumer loans utilizing technology to select borrowers and provide financial services | $113M | 78 mo ago | Public | 2001 | — | — | — | — |
| 7 | P Omni Prime Mobile based purchase finance solution | $88M | 111 mo ago | Series D | 2014 | Xuanyi Li Cofounder & Cto | — | — | — |
| 8 | Shenma Jinrong Online marketplace for auto loans | $87M | 98 mo ago | Deadpooled | 2015 | Ning Rui Co-Founder & CEO | — | — | — |
| 9 | Madai Licai Online based wealth management products | $65M | 127 mo ago | Late Stage | 2015 | — | 29 | — | — |
| 10 | Distributed Credit Chain Distributed banking public blockchain | $49M | 97 mo ago | Funding Raised | 2017 | Stewie Zhu Founder & CEO | — | — | — |
| 11 | Hepandai P2P lending platform for consumers and businesses | $41M | 106 mo ago | Deadpooled | 2012 | — | 194 | — | — |
| 12 | Rongzi B2C marketplace for loans to SMEs | $32M | 131 mo ago | Series A | 2010 | — | 217 | — | — |
| 13 | Taodangpu Online platform that connects borrowers with offline pawn shops | $31M | 134 mo ago | Series C | 2013 | — | 30 | — | — |
| 14 | Jinyinmao P2B based working capital loans platform | $22M | 115 mo ago | Deadpooled | 2013 | Pan Xianwan Herman CEO | — | — | — |
| 15 | Xueshandai Online P2P lending platform | $16M | 144 mo ago | Deadpooled | 2012 | Shao Jianhua Founder | — | — | — |
| 16 | Yonglibao Online P2P lending platform | $15M | 130 mo ago | Deadpooled | 2013 | Yu Gang Co-Founder & CEO | 36 | — | — |
| 17 | Juxinli Platofrm that provides intelligent risk control solutions | $15M | 108 mo ago | Series B | 2013 | Hao Luo Founder & CEO | — | — | — |
| 18 | Jucaicat P2P lending platform | $15M | 111 mo ago | Deadpooled | 2014 | Xue Li Founder & CEO | 100 | — | — |
| 19 | Migang Online consumer and business loans P2P marketplace | $9M | 123 mo ago | Deadpooled | 2014 | — | 47 | — | — |
| 20 | Jia Finance Provider of mortgage loans | $5M | 51 mo ago | Seed | 2018 | Sufian Creui Co-Founder | 11 | — | — |
| 21 | Renqidai P2P loans for SMBs for expansion and operational expenses | $3M | 124 mo ago | Deadpooled | 2014 | Zheng Guohong Co-Founder | — | — | — |
| 22 | Roadoor Loan aggregator platform for consumers and businesses | $1M | 125 mo ago | Series B | 2009 | Zhou Han Founder | 40 | — | — |
| 23 | Qifang China's Online Student Loan Community | $200K | — | Deadpooled | 2007 | Calvin Chin Co-Founder & Director | — | 12 patents Pharmaceutical solid dosage formulations for chronic pain relief | — |
| 24 | LiqEase Blockchain-based lending solution for small businesses | $120K | 97 mo ago | Seed | 2017 | Tobias Pfutze Founder & CEO | — | — | — |
Top 12 Alternative Lending companies in Shanghai
#1
Series C · Shanghai, Shanghai · founded 2015 · 277 employees$158.5Mraised▾
IceKredit provides alternate credit assessment solutions for financial institutions. It uses machine learning and big data technologies to assess the credit level of individuals and SMEs. It provides credit models built upon the loan data from various financial institutions and other related data sources. It is used by financial institutions to evaluate credit of businesses and consumers.
- Apr 2021Series C$34.8M
- Nov 2020Series C$33M
- Sep 2019Series B$46.9M
- Apr 2018Series A$25M
#2
Lufax 🦄Public · Shanghai, Shanghai · founded 2011 · 71034 employees$3Braised▾
Lufax is an online P2P lending platform for personal loans. It connects borrowers with multiple lenders for the transfer of funds. Borrowers are provided with funds after credit assessments. It also provides insurance services to consumers.
- Apr 2020Conventional Debt—
- Dec 2018Series C$1.3B
- Jan 2016Series B$1.2B
- Mar 2015Series A$489.1M
#3
Seed · Shanghai, Shanghai · founded 2018 · 11 employees$5Mraised▾
Provider of mortgage loans
- Mar 2022Seed$5M
#4
Public · Shanghai, Shanghai · founded 2001$113.1Mraised▾
A P2P lender of consumer loans utilizing technology to select borrowers and provide financial services. The company utilizes its technology to select suitable borrowers through partnerships with various internet platforms.
- Dec 2019Post IPO$8M
- Nov 2016Series D$25.5M
- Jan 2016Series C$4.9M
- Jul 2015Series C$35M
#5
Dianrong 🦄Series E · Shanghai, Shanghai · founded 2012 · 3500 employees$549Mraised▾
Dianrong.com is a P2P lending platform for personal loans. It provides credit ratings and risk controls on every loan by matching the borrower's records from local government bureaus. Loans are transferred to the user's registered bank account.
- Jun 2019Series E—
- Aug 2018Series E$40M
- Jan 2018Series D$70M
- Aug 2017Series D$220M
#6
Acquired · Shanghai, Shanghai · founded 2013 · 3947 employees$580Mraised▾
YiXinGroup is an online lending marketplace for auto financing. It provides a comprehensive line of automotive financial services such as insurance, new & used car loans. It facilitates cooperative financial institutions to issue auto loans to consumers & mainly charge service fees from consumers or partners that issue auto loans to consumers.
- May 2018Conventional Debt$150M
- May 2017Series C$580M
#7
Deadpooled · Shanghai, Shanghai · founded 2015$86.7Mraised▾
Online marketplace for auto loans. It offers a platform connecting borrowers with lenders for auto loans with customized terms, amounts, and repayment options. Users must add the required details and apply for the loan. Once approved, the funds are transferred to the registered bank account.
- May 2018Series C$47.2M
- Jan 2017Series B$14.5M
- Aug 2016Series B$15M
- Nov 2015Series A$10M
#8
Series D · Shanghai, Shanghai · founded 2014$87.8Mraised▾
P Omni Prime provide mobile based purchase finance solution for retailers and O2O service provider. It uses artificial intelligence in the central decision engine. It performs fraud detection and full credit check is done automatically by the system. The team includes individuals from Sequoia Capital, Microsoft, Lenovo. The company has raised Series C funding from $50M. It claims to have about 700,000 unique borrowers and has lent a cumulative of $150M.
- Mar 2017Series D$72.8M
- Apr 2016Series C—
- 2015Series B—
- Oct 2014Series A$15M
#9
Series B · Shanghai, Shanghai · founded 2015$136.2Mraised▾
Maizijf is an alternative lending platform provider. It offers 6 different products in alternative lending such as mortgage financing, P2P lending, factoring, education loans, credit rating improvement platform etc. It also has a wealth management platform. It has raised Series A round of funding from Haitong International Securities Group. As of Sept, 2015, it has about 3.2 million customers and expected to reach a revenue of $1.5B by end of 2015.
- Apr 2017Series B—
- Sep 2015Series A$136.2M
#10
Deadpooled · Shanghai, Shanghai · founded 2012 · 194 employees$40.6Mraised▾
Hepandai is an online P2P lending platform for both consumers and businesses which provide short-term loans and mortgage loans to the users. Borrowers will have to submit information after which they are audited before approving their loan requests. Claims to have over 220,000 users. Has raised Series A round of funding.
- Sep 2017Series B$30.6M
- Jun 2016Series A$10M
#11
Funding Raised · Shanghai, Shanghai · founded 2017$49Mraised▾
Distributed Credit Chain (DCC) is the distributed banking public blockchain. Offers a decentralized ecosystem for financial service providers. Provides credits for financial transactions between lenders and borrowers, businesses and individuals. Services offered include loan registration service, consumption loans, consumption installment, blockchain credit card, token loan service, mortgage claim registration, and asset distribution.
- May 2018ICO$49M
#12
Late Stage · Shanghai, Shanghai · founded 2015 · 29 employees$65.3Mraised▾
Madai Licai is a platform where retail investors can purchase wealth management products online. It aims to have better risk control and develop more innovative products. It is launched by CITIC Private Equity Funds Management and its strategic partner is ChinaTopCredit.
- Dec 2015PE$65.3M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
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