NetCredit operates in two distinct entities: 1. NetCredit (US): A Chicago-based online lender offering personal loans ($1,000 to $10,000) and lines of credit ($500 to $4,500), targeting underserved consumers. It uses advanced algorithms to assess creditworthiness beyond traditional scores, allowing customers to build credit history through timely payments[3][4][5]. 2. Net Credit Sp. z o.o. (Poland): Based in Warsaw, it operates in credit intermediation services. The company's specific services and target audience are less detailed, but it focuses on activities related to credit[2]. Unique Selling Proposition (USP): Personalized financial solutions based on broader financial assessments.