Consumer loans are short-duration, small-ticket digital loans originated by local fintech platforms inside their own user workflows. They cover cash loans, salary loans and buy-now-pay-later (BNPL) across Mexico, Indonesia, the Philippines, Thailand and India.
Typical profile
| Item | Typical profile |
|---|---|
| Products | Cash loans, salary loans, BNPL |
| Markets | Mexico, Indonesia, Philippines, Thailand, India |
| Tenor | 30–180 days |
| Loan size | US$20–2,000 |
| IRR post-NPL | 50–200% |
How CHUAN participates
CHUAN co-lends as senior lender alongside local fintech partners. Exposure is spread across many borrowers, supported by structural protection terms, daily data connectivity with partner systems, and risk monitoring across the full life of each loan. Platform first-loss support, over-collateralization and platform-owner guarantees form the protection layer, and repayment interception directs collections to CHUAN-designated accounts.
About the return figure
IRR post-NPL is the net yield earned per lending cycle after credit losses, annualized by the number of times capital turns over in a year. Average loan duration is very short, so capital turns many times a year.
The profile reflects CHUAN's own portfolio together with typical levels across the market segment; individual programmes differ.
This article is for general information only. It is not an offer to sell or a solicitation of an offer to buy any security or fund interest, and is not investment, legal or tax advice. Past performance is not a reliable indicator of future results. Please read our Legal Disclosures.