yufin
Block for emering markets doubling incomes for 5M
Model
Others
Industry
Retails
Stage
Revenue
Location
Phillippines
VentureGrade
70
out of 100
We are making >5M small businesses in emerging markets as powerful & profitable as Amazon.
Elevator Pitch
yufin makes small businesses as powerful & profitable as Amazon. It improves their weekly ordering 10X, reduces cost of weekly borrowings by 3X and helps make 10X commission on 3rd party services.
Effectively, we double their monthly income and they make $250 more monthly. yufin makes $250 annually from this relation from wholesalers, FMCG brands, financial services and content providers.
We scaled 10X in last 10 months & will scale 6X in the next 8 months, breaking even by Q4 25 and getting to 50K monthly revenue by year end.
We will do 10M ARR in 3 years & 50M in 5 years.
Founder (s)
Shubhrendu Khoche
- 20 YR Payment+Fin Serv | MA, AMEX
- 0 to 5M 3X in Asia|Money, Platforms, Wallets
Revenue Model
yuOrder: Take from B2b commerce 4.5%
yuDeliver: from delivery partner 3%
yuSell: from content provider 20%
yuMall: from supplier 10% – 15% + EMI financing take
yuCredit: 3% interest fee per month
yucoins: 10% platform fee on coupons and loyalty program to wholesalers & partner brands
Startup Journey
Life mission.
For 25 years, I made individuals and businesses spend more and feel good about paying.
Now I am making small businesses in tier 2 and 3 cities earn more income and am transferring wealth from large brands & businesess to them.
Travelled in Mindanao and Visayas in ’21-’22 and talked to ~100 small businesses. Hired early team from referrals and professional connections over the last fifteen years.
Hired five sales ambassadors and a sales manager from FMCG vertical, who were my early product managers and helped prioritize addressed pain points.
Built a LEGO block business model in 6 cities in South Philippines, centred around Davao City in ’23-’24. Now, that boat is starting to float and scaling 15% MoM.
Breaking even in Sep-Oct ’25 and then I will go out with my one boat, that helps build the 2nd boat, or get funding to sail an armada.
Go-To-Market Plan
Current:
Door to door: classical sales amabassdors in the field 50% (25% hunters, 25% farmers)
Local seminars by Govt Units and brands: 20% (one to many, run weekly)
Offline to online activation at wholesaler branches: 20% (promoter with kiosk at exit of physical wholesaler branch)
Referrals & online ads: 10%
By year end:
Sales ambassadors: 20%
Seminars: 20%
Offline to online at branch 30%
Referrals & online ads 30%
Potential Exit
Primary, priorty goal: Breakeven by Q4 ’25. Standalone, sustainable business from 2026 at >50% gross margin.
M&A? 2027 onwards
Large local bank (70% digital bank losing money in consumer biz 30% retail bank)
Traditional wholesaler
Meta/Google in 2028 (India, Indonesia model)
Large merchant acquiring firm / Payment services provider
VentureGrade℠
