Daokoudai operates an online fintech platform that connects Chinese small and medium-sized enterprises with individual and institutional lenders. Borrowers can submit digital loan applications, receive instant credit assessments, and obtain funds automatically, while investors access a marketplace of diversified SME loan projects with real‑time tracking and portfolio tools.
Funding
$15.1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Small and medium-sized enterprises (SMEs) in China often face difficulty obtaining timely financing due to limited access to traditional bank credit and lengthy loan approval processes.
Solution
Daokoudai operates an online financial technology platform that matches SME borrowers with individual and institutional lenders. The service enables borrowers to apply for loans, receive credit assessment, and obtain funds digitally, while lenders can invest in diversified loan projects through a managed marketplace. Transactions, including funding, repayment, and investment returns, are processed automatically within the platform, reducing paperwork and turnaround time. The platform also provides real-time loan status tracking and compliance monitoring to ensure transparency for all participants.
Target Audience
Primary users are Chinese small and medium-sized enterprises seeking quick financing and individual investors looking to allocate capital to SME loan assets.
Features
- Digital loan application and instant credit evaluation using proprietary risk models
- Automated fund disbursement and repayment workflows integrated with bank card binding
- Investor dashboard displaying available loan projects, performance metrics, and portfolio management tools
- Secure data handling and compliance reporting to meet regulatory standards
- Real-time status updates on loan extensions, repayment schedules, and project documentation