RedCarpet lends to customers in India to finance their online purchases - ecommerce, travel, etc. RedCarpetUp lends to customers in India that banks cannot see. In India, credit and finance companies are able to service less than 10% of the customer base because there is no data, no widespread credit bureaus to profile and score customers. RedCarpet has access to much more data, including data on your mobile phone. They use this data to service customers who never had any access to credit before. Today their customer segment is young, future-prime students in colleges who use RedCarpetUp to find credit to fund online purchases - ecommerce, travel, etc. Tomorrow they hope to unlock credit to all of India.