Kredit Hero

Kredit Hero is an AI-powered SME lending marketplace that launched in the Philippines in September 2024, co-founded by Scott Moore, who serves as CEO, and Michel de Rijk. Rather than requiring a small business to apply separately to each bank or lending company, Kredit Hero lets an SME submit a single application, which its platform analyzes using an AI-driven “K-Score” to assess the business’s financial profile and match it against a network the company describes as more than 40 partner lenders, for loan amounts up to PHP 100 million. The company says it charges borrowers no application fees, and covers products including working capital loans, supplier and payroll financing, and asset- or property-secured loans.

Since its Philippine launch, Kredit Hero has said it registered more than 6,000 SMEs within its first several months, and in November 2025 it formalized a partnership with Discovery Capital Finance Corporation, adding DCFC’s six branches across Luzon, Visayas, and Mindanao to its lender network. The company joined Fintech Alliance.PH in June 2025. Coverage frames Kredit Hero as addressing a common complaint among Philippine SMEs — which account for well over half of national employment — that traditional bank loan applications are slow, opaque, and carry high rejection rates.

Kredit Hero’s exact founding date, headquarters address, employee count, and funding history were not disclosed in the press coverage and company pages reviewed for this profile — no funding round or investor names could be independently verified, so those fields are left unstated here rather than guessed.

Philippine SMEs face slow, opaque loan application processes and low approval rates when trying to secure financing from banks and individual lending companies.

Small and medium enterprises in the Philippines seeking working capital, equipment, or property financing.

Uses an AI-driven "K-Score" to assess an SME's financial profile from a single application and match it against a network of 40+ partner lenders at once, rather than requiring separate applications to each lender.