TSLC

TSLC (The Social Loan Company) is a global venture builder and fintech platform specializing in AI/ML-powered digital lending solutions for underserved digital natives in emerging markets. The company develops credit-led apps and platforms using proprietary predictive analytics to enable financial inclusion through personalized, responsible lending.

Core Products & Services

AI/ML Credit Decisioning Platform – Proprietary artificial intelligence and machine learning system analyzing alternative data for faster, accurate credit assessments of credit-thin and credit-invisible consumers

Mobile-First Lending Apps – App-based platforms like CASHe (India) and E-Rin (Bangladesh) offering instant personal loans, BNPL options, and financial wellness services with seamless onboarding

Embedded Finance Solutions – Buy-now-pay-later (BNPL) integrations, micro-insurance, and in-app payment services embedded within partner e-commerce and retail platforms

Partnership Lending Ecosystems – Co-branded digital credit platforms with banks and NBFCs enabling scalable loan distribution while maintaining regulatory compliance

Behavioral Credit Scoring – Machine learning models using behavioral sciences and big data to predict repayment capacity beyond traditional credit history

Global Market Expansion Platform – Standardized technology stack for rapid deployment across APAC, MENAT, LATAM, and Sub-Saharan Africa markets

Business Model & Revenue Streams

Venture Builder & Platform Licensing Model – Builds and launches regional lending ventures (CASHe, E-Rin) while licensing core AI/ML technology stack to banking partners; hybrid model combining proprietary app operations with B2B technology distribution

Equity Ownership in Operating Ventures – Revenue from owned platforms like CASHe (15M+ users) through interest income on disbursed loans and platform fees

Technology Licensing & SaaS Fees – Annual licensing fees for AI credit scoring engine and digital lending infrastructure provided to banks/NBFCs as white-label solutions

Partnership Revenue Sharing – Revenue share from co-branded lending partnerships and embedded finance integrations with retail/e-commerce partners

Debt Capital Deployment – Utilizes $100M+ raised equity/debt funding to originate consumer loans generating net interest margins

Geographic Expansion Royalties – Performance-based royalties from international ventures launched through standardized technology platform