Michel de Rijk
Kredit Hero
Co-Founder
By simplifying the loan application process and enhancing access to capital, Kredit Hero empowers SMEs to achieve their business goals and drive economic growth in the Southeast Asian region. Kredit Hero Co-Founder Michel de Rijk tells Qorus’ Boris Plantier more about it.
What led to the creation of Kredit Hero?
Kredit Hero was born out of our team's personal experiences in the lending and banking industries across Southeast Asia. We've witnessed the struggles SMEs face when trying to secure funding and the difficulties lenders have in assessing risk. These challenges inspired us to create a smarter marketplace – one that not only connects SMEs with lenders but uses advanced analysis and risk scoring to make more informed matches. Our mission is to streamline the lending process, increase access to credit for businesses, and foster a more transparent and efficient lending ecosystem in the region.
Could you present Kredit Hero's offer?
Kredit Hero’s platform is fully automated and digitized, built to speed up and streamline the loan application process. It transforms traditional, time-consuming methods by digitizing and analyzing bank statements, financial documents and other vital data in minutes – something that used to take days. This automation not only makes the process faster for SMEs but also enables lenders to focus on making informed decisions.
On the lender’s portal side, they define their specific interests, receiving only deals that align with the loans they offer, while borrowers benefit from quicker responses. Kredit Hero leverages cutting-edge technologies such as deep learning, computer vision, natural language processing and generative AI to ensure precise evaluation and seamless matching between borrowers and lenders. The result is a smarter, more efficient lending process for everyone involved.
What's coming next for Kredit Hero?
What's next for Kredit Hero is exciting growth across Southeast Asia. After our launch in the Philippines, we plan to expand to other markets in the region, helping more SMEs access the funding they need. We're also focused on continuously enhancing our AI-driven platform to make the loan matching process even more efficient, transparent, and tailored to both borrowers and lenders. In addition to regional expansion, we’re looking to partner with more financial institutions and introduce new features that will further streamline and personalize the lending experience for businesses.
