Leo1

Founders

• Rohit Gajbhiye

Our Investment Thesis

Leo1 is an AI-driven loan exchange platform, positioned as a marketplace for lending similar to Flipkart or Amazon for goods. It addresses two key borrower segments: families needing funds for school and tuition fees, and individuals requiring emergency funding. Borrowers benefit from zero-interest EMIs, 100% funding, paperless applications, and quick disbursals, while schools receive upfront fees without collection hassles. Investors, including individuals, HNIs, and NBFCs, gain access to a secure, asset-backed product with returns of 12–20 percent and effective IRR of 25–40 percent.

Leo1 leverages AI-based credit scoring across 12,000+ data points, fully digital onboarding, and automated KYC, underwriting, and EMI collection. With agreements like Millennium Schools, where Leo1 disburses fees upfront while parents repay in installments, it has already demonstrated strong traction with zero defaults in its early phase. Revenue streams include processing fees, registration charges, and service charges from lenders, yielding sustainable unit economics.

The company projects aggressive growth through its unique model, backed by IIT and IIM alumni with deep fintech expertise. With strong early traction, strategic partnerships, and brand presence at global forums, Leo1 is positioned to lead India’s education finance and alternate lending space while offering high-yield, low-risk products to investors.