Apollo Finvest: A curation of the best

What makes us special?

In the dynamic world of fintech, standing out requires more than just innovation—it demands excellence. Apollo has carved its niche by redefining the fintech landscape with its unique approach and superior performance. Let’s delve into what makes Apollo a standout choice in the fintech arena.

Curated Sourcing and Robust Underwriting

Apollo’s strength lies in its curated sourcing across the best digital NBFCs and fintechs with robust underwriting. By cherry-picking the top 10-20% of portfolios from every partner, Apollo ensures a high-quality book. This meticulous selection is reflected in our impressive NPA numbers, with over 66% of our book comprising customers with 700+ credit scores. While these portfolios may not be substantial with every partner, sourcing from multiple partners allows Apollo to scale a superior-quality portfolio effectively.

Tech-Driven B2B2C Business Model

Apollo’s tech-driven B2B2C business model sets it apart, enabling unparalleled advantages:

• Superior Return on Equity (ROE): Profitable since inception, Apollo boasts ROEs over twice the industry average, showcasing our technological prowess. 

• No cost of acquiring borrowers: Our excellent ROEs are also attributed to the fact that Apollo incurs no cost of borrower acquisition, which can be particularly high for premium customers sourced through our lending partners.

• Scalability: Remarkably, we’ve scaled 100%+ in the past year without increasing our team size, maintaining around 30 employees. Even with our large anticipated growth, we project a modest team size of 35.

• Financial Protection: With 90+ DPD PAR numbers below 1.98% and expected to decrease further, coupled with a 5% FLDG from partners, Apollo ensures strong financial protection across portfolios.

• Strategic Insights: Collaborating with multiple partners provides a broad view of digital lending trends, allowing Apollo to strategically focus on promising loans and swiftly exit deteriorating sectors.

• Smart Borrower Spotting: Our extensive network enables us to identify borrowers using multiple digital lenders within hours, mitigating exposure to high-risk customers.

Commitment to Long-Term Partnerships

Apollo’s commitment to charging our lending partners on the line of capital model fosters high-conviction, long-term partnerships. With a minimum duration of one year and obligations for partners to pay Apollo throughout this period, only those confident in scaling and maintaining a long-term relationship with Apollo join the platform.

Extensive Experience and Data-Driven Underwriting

Over the past 8+ years, Apollo has collaborated with 60+ digital lending partners, serving over 600,000 borrowers across India. This extensive experience provides a rich data source for world-class underwriting. By backtesting credit engines on this vast dataset, Apollo minimizes unnecessary live loan experiments. Additionally, geographical insights into borrower behaviour ensure policies are tailored regionally, enhancing overall performance.

Governance and Vintage

Apollo benefits from the governance standards of a publicly listed company and the vintage of a 40-year-old NBFC. This unique combination provides stability, trust, and reliability, further solidifying Apollo’s position as a leader in the fintech sector.

In conclusion, Apollo’s curated sourcing, tech-driven model, strategic partnerships, extensive experience, and robust governance set it apart in the fintech ecosystem. For those seeking excellence and innovation in fintech, Apollo is the clear choice.