Driving Financial Inclusion for the Underserved
Grab leverages our vast ecosystem and alternative data to design tailored financial solutions for partners and consumers with irregular earnings or limited credit histories.
Grab’s Impact in 2025
$3.2B
in loans disbursed, +47% year-on-year, expanding access to credit for underserved
1 in 3
active driver-partners has a loan with Grab
1 in 2
driver-partners who took a loan through Grab did so to avoid taking loans from unlicensed payday lenders
68%
of driver-partner borrowers accessed formal credit for the first time through Grab
Driving Financial Inclusivity Across the Grab Ecosystem
Driver-Partners
GrabFin provides flexible, earnings-linked credit products embedded within the driver app, expanding responsible Credit for driver-partners.
MSME Merchants
GrabFin’s Merchant Cash Advance provides access to working capital to MSMEs, fueling their growth.
Digital Banking
Grab extends financial inclusion to those who are underserved by traditional institutions through our digital banks.
Insurance
GrabInsure designs insurance solutions tailored to the realities of gig work and MSMEs, providing protection.
Secure Futures with Accessible Financial Support
Flexible Credit for Driver-Partners
We have data-driven borrowing limits based on platform earnings and automatic repayments proportionate to daily earnings, which help prevent short-term liquidity constraints from escalating into financial crises, while reducing repayment friction and default risk.
Timely Working Capital for MSMEs
Over 90% of merchant borrowers are MSMEs. GrabFin’s Merchant Cash Advance provides merchant-partners with seamless access to capital through a digital, pre-approved process.
Expanding Inclusion through Digital Banking
Traditional banking models are designed for fixed-income earners, leaving those with variable earnings underserved. Grab’s digital banks provide savings, loans, and card options tailored to address key structural barriers that the underserved face.
Protection against Unforeseen Events with GrabInsure
100% of driver-partners are provided with insurance coverage for work-related accidents. GrabInsure offers an additional, robust safety net through flexible, "pay-as-you-drive" models and specialised protection tailored to our partners' daily realities. These mitigate financial risks from accidents and operational disruptions without the burden of high upfront premiums.
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How we’re making short-term loans more accessible for Grab merchant-partners
