Kilde

Today we’ve surpassed $70M+ in AUM, with 50% AUM growth from Institutional Investors and an astounding 325% AUM growth from individual investors since the start of 2024, while keeping 0.0% defaults and 12.2% per annum historical returns. We want to extend a heartfelt thank you to the entire Kilde team, as well as our dedicated investors and partners. It's your collective efforts that have made this significant growth a reality. So, what's next for us? We have new products, more deals in SGD currency, and platform updates in the pipeline, all designed to make the investment experience even more seamless for our investors. On a related note, our CEO and Co-Founder Radek shared exciting details about the plans in an interview a while back. Check out the link to the video in the comments section. Once again, we want to express our sincere gratitude. We’re not just celebrating our past achievements, but also looking forward with great excitement to the future and the opportunities it holds! Radek Jezbera | Oleg Kryukovskiy | Petr Sebesta | La Pyae | Virangi Anuradha | TAY Han Jie | Hatadi Haziq M. H. | Johanna Krüger | Thel Su Hlaing | Yujia Li | Peiyu Zhao Disclaimer: This content is exclusively for accredited, professional, and institutional investors. It is not an offer of investment advice or an invitation to invest in Kilde's products. Please seek professional guidance before making any financial decisions.

What a ride 2024 has been! Despite actually a lot of headwinds, we powered through and racked up some amazing wins. 🚀 Launched our 2.0 Design - A sleeker, faster platform upgrade that’s all about user experience. 🍸 Hosted Sip & Connect Evenings: Great conversations, networking, and new friendships formed. 🔑 Welcomed Hundreds of New Investors: Our family is bigger (and better) than ever. By the Numbers (in USD): 💰 Total Disbursed to Customers (Borrowers): $44,276,002 🔑 Principal Paid to Investors: $10,778,558 💸 Coupons Paid to Investors: $6,751,893 Plus, we’re excited to have supported 11 new customers this year, including Netcapital Financial Group, Fluid, Moneyboat, Bull Capital NBFI, Seedflex, ID Finance, Bichil Globus Financial Group, Monedo Financial Services, Sendly NBFI JSC, Creditstar Group and Pulman. Among our friends and supporters, we would like to highlight our trusted partners. Acme Technology, Rawlinson & Hunter Singapore, Credence Consulting Pte Ltd, Shook Lin & Bok Singapore, and Hubbis. This time, we are not forgetting our always supportive shareholders: Purple Ventures, Big Sky Capital VC, Borderless. Thank you to everyone who made 2024 such a standout year. All the best in 2025!

LinkedIn means connecting with an incredible audience and building a trusted name in private credit investments. At Kilde, we’re ready to take our social media strategy to the next level. We’re hiring a Social Media Specialist to join our team. If you know someone passionate about crafting engaging content, building a strong brand presence, and making an impact in the fintech space, this is their chance to shine. Here’s what you’ll love about working with us: 🌟 Be part of a fast-growing, regulated investment platform. 🌟 Collaborate with a friendly, expert-driven team. 🌟 Play a key role in shaping our online strategy and voice. Know someone perfect for the role? Tag them below or share this post! 🙌 #hiring

🎄✨ Merry Christmas from the Kilde Team! ✨🎄 As we wrap up an incredible year, we want to take a moment to thank all our investors, partners, and supporters who have been a part of Kilde’s journey in 2024. This holiday season, we celebrate not just the milestones we’ve achieved but also the trust and collaboration that have made them possible. Together, we’ve continued to make private credit investing simple, secure, and rewarding, and we couldn’t have done it without you. From all of us at Kilde, we wish you and your loved ones a festive season filled with joy, warmth, and cherished moments. Here’s to a bright and prosperous 2025 ahead—let’s continue building success together! 🎅🌟 Merry Christmas and Happy New Year! 🌟🎅 Radek Jezbera | Oleg Kryukovskiy | TAY Han Jie | Johanna Krüger | Hatadi Haziq M. H. | Nay | Eugene | Vojtech | Thel Su | Peiyu | Yujia | Chandrika | Petr | La Pyae | Virangi Anuradha | Sreerag | Sushma |

“Among thirty thousand loans that have been disbursed so far, only four have been brought to court.” We had the privilege of interviewing Diyar, Co-Founder and Chairman of Pulman, a leading microfinance organisation based in Uzbekistan that specialises in car and commercial real estate collateral loans. Pulman is making waves as the first-ever foreign MFI organisation in Uzbekistan. You can learn more about Pulman’s journey in the interview with Diyar, which is available on YouTube. The link is in the comments section. #Privatecredit #assetmanagement #wealthmanagement #invest #singapore Disclaimer: This content is exclusively for accredited, professional, and institutional investors. It is not an offer of investment advice or an invitation to invest in Kilde's products. Please seek professional guidance before making any financial decisions. Diyar Medeubekov | Assel Kussainova | Radek Jezbera | Oleg Kryukovskiy | Hatadi Haziq M. H. | Johanna Krüger | Nay | Peiyu Zhao | Yujia Li | Thel Su

We are excited to introduce PulMan, one of the pioneering microfinance institutions in Uzbekistan, and a proud partner of Kilde PulMan is led by Diyar, Co-Founder and Chairman, who brings over 20 years of experience in finance, spanning private equity, development banking, and commercial banking across Kazakhstan and Uzbekistan. 💡 About PulMan Since its establishment in 2018, PulMan has grown to become a trusted financial partner for over 30,000 customers, with a retention rate of 60% and a presence in 20+ branches across Uzbekistan. PulMan focuses on addressing the financial needs of micro and small enterprises, particularly in underserved rural areas. 🚗 What Sets PulMan Apart? First-Mover Advantage: One of the first foreign microfinance institutions in Uzbekistan, entering during significant economic reforms. Targeted Offerings: Specializes in loans secured by cars (70% of portfolio) and commercial real estate. Customer-Centric Approach: Immediate access to funds, local service centers, and tailored financial solutions. High Standards: A non-performing loan rate of less than 1%, with over 250% collateralization of the loan portfolio. 📈 Future Vision PulMan aims to expand its geographic reach, bringing financial services to more remote regions of Uzbekistan and introducing innovative products, including Islamic finance solutions and group lending tailored to specific local needs. 🤝 Partnering with Kilde PulMan's collaboration with Kilde opens doors for accredited investors worldwide to support meaningful growth in Uzbekistan's microfinance sector. Through Kilde's platform, investors can participate in funding projects that empower local communities and foster economic development. ✨ Why Invest in PulMan? Investing in PulMan means contributing to the financial inclusion of a rapidly growing market while benefiting from stable, collateral-backed returns. 💬 A Message from Diyar: "Thank you to all our investors for believing in PulMan and supporting the development of Uzbekistan and the Central Asian region. You’re not just investing in a company but becoming part of a transformative journey." Check out the youtube video in the comments section to learn more about PulMan. #PrivateCredit #Microfinance #Uzbekistan #Investments #FixedIncome #Kilde #PulMan Disclaimer: This content is exclusively for accredited, professional, and institutional investors. It is not an offer of investment advice or an invitation to invest in Kilde's products. Please seek professional guidance before making any financial decisions Diyar Medeubekov | Assel Kussainova | Radek | Oleg | Hatadi | Johanna | Thel Su | Yujia | Nay

It's been an exciting week for our team in Dubai! 📈 Radek and Johanna are attending the ADFW (Abu Dhabi Finance Week) with our partners from Mikro Kapital and Qiro Finance. Stay tuned for more, as we’ll discuss our key learnings in future posts. Michele Mattioda | Akshay Poshatwar | Radek | Johanna #ADFW #Privatecredit #assetbasedlending #wealthmanagement

A big shout-out to the Fluid team! 🦾 We’re thrilled to see them returning to the Kilde platform for the third time, this time again with an exciting opportunity for debenture funding. Here’s to continued success and a strong partnership ahead! 🚀 Trasy Lou Walsh | Ruoyun Yang, CFA | Radek | Oleg | TAY Han Jie | Yujia Li | Peiyu Zhao | Hatadi | Johanna #privatecredit #assetbasedlending #wealthmangement #invest #singapore #accreditedinvestors ----- Disclaimer: This content is exclusively for accredited, professional, and institutional investors. It is not an offer of investment advice or an invitation to invest in Kilde's products. Please seek professional guidance before making any financial decisions

This edition of Kilde’s Fountain of Finance covers: 📈 Wealth management trends from EY and the impressive growth of private debt highlighted by Guggenheim Investments. 💬 We also dive into the ongoing conversations about Gen Z and Millennial investors and their focus on collectibles, along with a look at how private credit is gaining traction in media coverage, as noted by Bloomberg News 📊 Plus, don't miss our Kilde News section, where we share performance updates, recent events we've participated in, and our collaborations aimed at bringing private credit deals to the Kilde platform. We hope you enjoy the read and have a good weekend! ✨ #WealthManagement #PrivateDebt #InvestingTrends #KildeNews #IndustryInsights #privatecredit #assetmanagement Radek Jezbera | Oleg Kryukovskiy | TAY Han Jie | Hatadi | Johanna | Thel Su| Peiyu Zhao | Yujia Li

Thanks to the Uniglobal team for hosting us at this year’s 5th Annual Asia Pacific Microfinance Forum! We had a great time sharing insights about funding microfinance organisations from an investor’s perspective. Here are some of the insights Radek Jezbera shared during his presentation: 📈 Funding remains challenging for NBFIs in Asia, even as the region experiences unparalleled growth. The growth rate of NBFIs in Asia is double that of developed markets, creating a significant opportunity for asset managers like Kilde. 🔗 Kilde’s Role in Bridging the Gap: 1. By connecting borrowers (like NBFIs and mid-market companies) with investors, Kilde helps address the funding gap.  2. Borrowers who lack access to public markets or wish to supplement their funding can leverage private credit as a flexible and scalable solution. 💰 For Investors, Private Credit Offers: - Regular cash flow - High risk-adjusted returns - Portfolio diversification to reduce volatility - And many more For example, studies show that a modest 10% reallocation to private credit in a traditional 60/40 portfolio can enhance returns and reduce overall volatility. 🛠 So, how Does Kilde Identify and Launch Deals? Automated underwriting processes and standardised financing terms powered by advanced technology. In simple terms, Kilde uses: ✅ Efficient, consistent, and scalable evaluations of borrowers' creditworthiness using software, algorithms, and AI. ✅ Lending agreements with uniform terms like interest rates, repayment periods, and penalties for similar borrower profiles. If you're a NBFI based out of Asia, and interested in receiving a full copy of the presentation, send us a message! #privatecredit #assetbasedlending #wealthmanagement #Singapore Kyra N. | Pavel Isachkin | Radek Jezbera | Oleg Kryukovskiy | TAY Han Jie | Hatadi | Johanna Krüger | Yujia Li | Peiyu Zhao | Thel Su Hlaing