Jenfi is a revenue-based financing platform supporting digital businesses in Asia by providing flexible, non-dilutive growth capital. Jenfi offers an alternative to traditional loans and equity funding, enabling companies to access financing with repayments tied directly to their revenue, making it easier for growing businesses to scale without sacrificing ownership or taking on restrictive debt.
Jenfi's core product is designed for repeatable business expenses that drive revenue, such as marketing, inventory, or operational costs. Their proprietary technology platform connects with a business's revenue and alternative data sources, giving Jenfi a data-driven understanding of borrower behavior and risk. Funds are deployed via a virtual Jenfi Wallet and MasterCard solution, providing borrowers with flexibility and Jenfi with real-time spend tracking. The company's approach addresses a major gap in Southeast Asia, where many otherwise "bankable" digital businesses struggle to access growth capital from banks or traditional lenders.
What technology enables Jenfi's platform?
Jenfi's automated financial technology platform ingests and analyzes real-time revenue data and alternative metrics from their clients. This allows for:
- Faster, data-driven underwriting decisions
- Flexible, revenue-based repayment schedules that adjust with business performance
- Continuous monitoring of borrowers to mitigate risk and improve customer fit
This tech-driven approach differentiates Jenfi from traditional lenders by enabling more dynamic, scalable financing products tailored for digital-first businesses in fast-growing markets.
Who uses Jenfi?
Jenfi primarily serves digital businesses and startups across Southeast Asia, with an initial focus on Singapore and plans to expand across the APAC region. Their target customers are online businesses, SaaS companies, and e-commerce platforms that have predictable, recurring revenue, but may lack access to bank loans or prefer to avoid equity dilution. Many of Jenfi's clients are repeat borrowers, leveraging ongoing access to capital as they grow.
Who are Jenfi's competitors?
Jenfi operates in the fintech and revenue-based financing space, serving Southeast Asian digital businesses. Key competitors include:
- Choco Up: Revenue-based financing in Hong Kong, Singapore, Malaysia, and Australia, with rapid funding and no equity dilution.
- Braavo: Revenue-based financing for digital businesses, increasingly active in Asia.
- Outfund: Offers revenue-based financing to online businesses internationally.
- Vitt: Provides flexible financing to SaaS and subscription businesses.
- Settle: Focuses on e-commerce and digital business funding with flexible repayment.
- Founderpath: Revenue-based financing for SaaS founders.
- Drip Capital: Trade and working capital financing for global businesses.
- Fleximize: Alternative business loans and financing solutions.
- Efficient Capital Labs (ECL): Revenue-based financing for cross-border SaaS companies, particularly in the South Asia-U.S. corridor.
While several of these companies have global reach, Jenfi's regional focus and technology-driven underwriting specifically address the unique needs and challenges of Southeast Asia's digital businesses.
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