About kuendruel.bt

About Us

Kuendruel.bt is a lending tech startup, an online peer to peer lending platform which connects potential borrowers to smart lenders. Peer to peer lending (or P2P lending) is one of the most innovative financial products of recent times. It enables creditworthy borrowers lower their cost of loans and individual lenders/investors to lend directly to their peers and community thereby earning higher returns.

The platform will help borrowers in need of money connect with lenders from across Bhutan to crowd fund their loans. The returns are attractive enough for lenders to invest small amounts of money across multiple borrowers. Kuendruel provides the best opportunity to earn interest income and generate compounded interest over the period of time.

The current financial inclusion statistics of Bhutan (as per National Financial Inclusion Strategy 2018 to 202) is 16.08% of 494,586 adult populations. Kuendruel.bt aspires to extend financial inclusion to un-served and underserved section which consist mostly farmers, entrepreneurs, small businesses and urgent loan seekers, to help them become economically effective.

We are a team of young and energetic startup and experienced a professional who has come together from diverse backgrounds to disrupt the personal and small business credit sector in Bhutan.


“Easily accessible platform with inclusive rating and quick hassle less procedures to borrow money, the best and comprehensible platform to invest money and earn higher returns, promoting transparency, credit discipline and values of GNH”


Play a vital role in helping nation to achieve the goals of national financial inclusion strategy 2018 to 2023

Create an inclusive credit rating system

Promote credit discipline, financial literacy and business literacy

Eradication of loan sharking