Credit, opened up — for Nepal.
Most Nepalis can't borrow from a formal lender, while plenty of Nepalis have capital sitting idle. LoanMandu connects the two, directly and transparently. That's the whole idea.
Nepal runs on informal credit — family, shopkeepers, and dhukuti circles — because the formal system reaches so few people.
That informal system works on trust between people who know each other. Formal lenders ask for collateral, a guarantor, and weeks of paperwork — and still turn most people away. Meanwhile, twenty million debit cards circulate against just three hundred thousand credit cards. The demand is obvious; the rails aren't there.
LoanMandu is a peer-to-peer marketplace built to bridge that gap — pairing borrowers who need a fair loan with lenders who want to put capital to work, transparently and on terms both sides can see. We're pre-launch, building carefully, and building to meet Nepal Rastra Bank's forthcoming framework.
One clear rate, shown upfront. You always see where the money goes. Opacity is how trust dies — so we don't do it.
Only 16% of Nepalis can borrow formally. We're here to widen that door, not guard it.
We never promise guaranteed returns. Lending carries risk, and we say so plainly — every time.
A local team that understands local realities — banks, wallets, dhukuti, and the trust that's been broken before.
The gap between who needs credit and who can get it is the opportunity.