Monexo operates as an online, peer-to-peer lending marketplace for small businesses and their employees. The platform originates borrowers and lenders through both online and offline sales, and marketing channels. It uses its proprietary screening system to review borrowers on various financial and non-financial parameters and provides them with loan offers. When a borrower agrees to a loan offer, it is listed in the marketplace for lenders to view and fund them. It allows borrowers to receive up to 48 months of future rental income and subsequently assign the rental income to their lenders. Launched in 2014, Monexo is operated from Hong Kong, China.