Kashin GTM brain

Kashin provides small digital loans to underserved individuals and micro-entrepreneurs in Peru.

category

Digital microlending

market profile

  • text: Kashin targets borrowers and micro-merchants who need small loans and may be underserved by traditional credit.
  • text: Its website currently markets loans across Peru and incremental limits tied to repayment.

personas

  • title: Informal micro-merchant
    pains:
    • Needs a small amount quickly for business expenses or equipment
    • May have limited access to conventional credit
  • title: Individual borrower with an unexpected bill
    pains:
    • Needs short-term funds for a phone, motorbike payment or emergency
    • Wants clarity about total repayment and protection from abusive collections

icp

  • text: Peru-based individuals with a DNI and smartphone who need a small short-term loan, subject to underwriting.
  • text: Micro-business owners and informal workers seeking modest working capital or money for equipment.

message pillars

  • text: Apply quickly using a DNI.
  • text: Build a larger limit through timely repayments.
  • text: The company says it will not contact a borrower's contacts.

objections

  • objection: Is the lender legitimate and respectful?
    response: Kashin says its lending entity is registered with the Peruvian SBS and that it does not call borrowers' contacts; verify the current registration and contract.
  • objection: What will the loan actually cost?
    response: Read the personalized total repayment and fees before accepting. The website states a 32% annual rate but also gives S/30 interest on S/100 for 30 days; these figures need clarification.
  • objection: Am I guaranteed approval?
    response: No. Its terms say applications depend on credit assessment and available funds.

competitors

  • name: Prestamype
    why: Peruvian financing provider offering an alternative source of loans.
  • name: Yape
    why: Peruvian financial app identified as an alternative by a company profile.

keywords

  • préstamos rápidos Perú
  • préstamos online con DNI
  • microcrédito para negocio
  • préstamos inmediatos app Perú
  • préstamos pequeños sin banco
  • crédito para emprendedores Perú

voice

  • reassuring
  • plain spoken
  • encouraging

signals

  • text: A borrower needs a small sum for an unexpected payment or business purchase.
  • text: A micro-merchant seeks digital credit and has the identification needed to apply.

stack

  • Android app
  • WhatsApp

pricing

model: unknown

motion

product_led

channels

  • Google Play
  • referrals
  • Google Ads
  • Facebook
  • SEO

confidence

medium

Founders

  • name: Christophe Robilliard
    title: Founder
    role: Founder
    bio: Engineer with a passion for solving problems. Former experiences: McKinsey Consultant, Easy Taxi General Manager, Cabify Regional Manager, and Ligo COO. Love sports: surf, tennis, soccer, squash, and more.
  • name: Jose Palacios
    title: Founder
    role: Founder
    bio: Founder and Critical Thinking Officer @ Kashin

Back to YC companies