[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-244312-105":53,"doc-detail-244312-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","investment-proposal-confidential-january-2020","Investment Proposal - Confidential - January 2020","","Investment Proposal (Confidential, January 2020) presents Silkway Ventures Group (SW), a privately owned fintech group with holding operations in Singapore and business activities in Kazakhstan, Vietnam, and planned expansion to Indonesia and other Southeast Asian markets. It outlines the group’s focus on online consumer finance through short-term unsecured lending, highlights performance milestones, management capabilities, and proprietary full-stack technology, and explains the “Credit Ladder” concept and customer value proposition.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":11,"@type":70,"position":76},"https://docshare.wps.com/template/presentations/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/investment-proposal-confidential-january-2020/244312/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/investment-proposal-confidential-january-2020/244312.png","ImageObject",442,249,{"name":88,"@type":89},"Dozel","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-22","2026-09-12",true,{"@type":98,"interactionType":99,"userInteractionCount":15},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What is Silkway Ventures Group’s main business focus?","Question",{"text":108,"@type":109},"Silkway Ventures Group focuses on online consumer finance, primarily short-term unsecured lending for subprime and near-prime segments.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What are the main product types offered by the group?",{"text":113,"@type":109},"The group offers installment loans (IL) for longer terms up to 12 months and single payment loans (SPL) for short terms up to 30 days, tailored to underserved consumers.",{"name":115,"@type":106,"acceptedAnswer":116},"How does the “Credit Ladder” concept work?",{"text":117,"@type":109},"The concept is designed to help borrowers build personal credit ratings over time, improving their credit and enabling longer-term recurring access to credit even for unranked consumers.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},244312,1791736192,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":8,"category_name":11,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":15,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":30,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":140},962085662650,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Investment Proposal  \nJanuary 2020 | Confidential  \nExecutive Summary  \nGroup overview  \nSilkway Ventures Group (“SW” or the “Group”) is a privately owned fintech group with a holding company in Singapore and operations in Kazakhstan, Vietnam and Indonesia (currently in start-up phase) . The Group is primary business is online consumer finance, focusing on short term unsecured lending.  \nOwnership  \nThe Group was cofounded by two friends, self-made entrepreneurs and has been running by one of them since establishment.  \nRecent milestones  \nIn 2014 they launched Kredit24 (K24), an online lender that offers unsecured personal single payment loans (SPL) and installment loans (IL) to subprime and near prime consumer segments and operate fully online. The company processed over 500K loan applications, issued over 140K loans valued at $20 mln. 2018 revenues run rote is $7 mln.  \nManagement  \nThe Group is managed by the experienced team with background in fintech, retail banking, risk management, investment banking & IT management.  \nIn 2017 Group started to expand the online lending business in South-East Asia, and launched the operations in Vietnam under the MoneyBank brand and will establish the footprint in Indonesia (2018), Philippines and Malaysia (2019-20) and others as per the roadmap.  \nInvestment rationale  \nThe investment provides interested counterparts with the opportunity to have access to a fast-growing international fintech company that operates in Central and South-East Asia and targets over 500 mln total addressable market with a range of online micro-loans products designed specifically for the underserved consumers.  \nConfidential 2  \nOpportunity Highlights  \nPOST REVENUES INVESTMENT  \nIn 2018 SW online lending business reported USD 7,5 Mln in revenuesand an annual growth rate of 42% .  \nHIGH GROWTH POTENTIAL  \nProven ability to grow 100% per year. With sufficient funding we can grow faster  \nYEARS OF PROVEN TRACK-RECORD  \nFully functional consumer finance business in Kazakhstan with leading market position. Strong and competent team with entrepreneurial spirit  \nPROPRIETARY TECHNOLOGY  \nInternally developed full stack technology for balance sheet lending&P2P lending  \nEMERGING ASIA OPPORTUNITY  \nTotal addressable market of 500 million consumers in high growth region  \nFINANCIAL INCLUSION FOCUSED  \nSizeable gap between credit access and consumer needs puts the group in an advantageous position in undeserved segment  \nConfidential 3  \nWhat We Believe  \nMission  \nTo enable millions of people in  \nAsia to reach their personal goals by:  \n• Providing them with digital financial products and online support round-the-clock,  \n• Raising the level of financial inclusion and serving well the underserved.  \nConfidential 3  \nConsumer segment We offer  \nBusiness Model Highlights  \noff-balance sheet lending: financial intermediation/loan brokerage services  \nbalance sheet lending: short-term unsecured loans direct to consumers  \n2 Near-prime  \nConsumer finance companies  \nP2P lenders & MFIs  \n3 Sub-prime  \nPayday lenders and pawnshops  \nPersonal income group  \nBanks focus on prime customer segment and do not offer small loans, due to limited infrastructure, lack of credit ratings and regulatory constraints.  \nMajority of Emerging Asian population is underbanked and can't get basic consumer loans from traditional financial institutions.  \nKey features  \nThe group provides online consumer finance services for three major consumer segments:  \nLoan brokerage services for consumers – comparison, selection and getting consumer loan product of any type from partnering banks and MFIs  \nInstallment Loan (IL) for 600 to to 3 000 USD equivalent for up to 12 months  \n3  \nSingle Payment Loan (SPL) for 15 to 600 USD equivalent for up to 30 days;  \n5  \nOur Value Added Solution  \n Operating 24/7  Fast & handy  Technology enabled  Big data driven  Loved by customers  \nWe offer user-friendly way to get instant cash loans and improve credit rati","cbCaiccqSKb0UYY7","https://ap.wps.com/l/cbCaiccqSKb0UYY7","pdf",10670022,"English","# Executive Summary\n## Group overview\n## Ownership and recent milestones\n## Management and expansion roadmap\n# Investment rationale\n## Opportunity highlights\n# Mission and consumer segments\n## Business model highlights\n## Key features and value-added solution\n# Customer testimonials\n# The \"Credit Ladder\" concept\n# Business Model: Product Range","[{\"question\":\"What is Silkway Ventures Group’s main business focus?\",\"answer\":\"Silkway Ventures Group focuses on online consumer finance, primarily short-term unsecured lending for subprime and near-prime segments.\"},{\"question\":\"What are the main product types offered by the group?\",\"answer\":\"The group offers installment loans (IL) for longer terms up to 12 months and single payment loans (SPL) for short terms up to 30 days, tailored to underserved consumers.\"},{\"question\":\"How does the “Credit Ladder” concept work?\",\"answer\":\"The concept is designed to help borrowers build personal credit ratings over time, improving their credit and enabling longer-term recurring access to credit even for unranked consumers.\"}]","Investment Proposal - Confidential - January 2020 | PDF",1789215663,6]