Thirdroc

About

ThirdRoc provides an AI cloud SaaS for lenders, merchants, enterprises in emerging markets offering ML-based credit-risk scoring, document/system connectors, and real-time loan workflows for BNPL and earned-wage-access via employer integrations.

Mission

ThirdRoc provides an AI-powered, cloud-based SaaS platform that enables lenders, merchants and enterprises in emerging markets to perform credit risk analysis using traditional and non-traditional datasets and machine-learning models. The platform connectors streamline document collection, integrate with existing systems, reduce manual reviews, and provide real-time access to loan applications. ThirdRoc supports consumer finance products including BNPL and Earned Wage Access, with repayments deducted from future payroll through employer partners. Its commercial model combines a SaaS fee for the technology platform with a transaction fee on transacted items. The product is modular and built for global expansion; the company is prioritising merchant and customer acquisition in Fiji and plans to expand into the Indian market. Early traction includes signing over 1,500 individual customers via enterprise partners and a growing sales pipeline with prominent employers and merchants in Fiji.

Quick Facts