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Platform by Mission Sustainability
All categories Cleanup initiatives Three Wheels United
Bengaluru, Karnataka, India
Three Wheels United (TWU) is a technology-driven finance and leasing company focused on accelerating the electrification of India’s light vehicle ecosystem, particularly auto-rickshaws and cargo three-wheelers. The company provides affordable loans and leasing solutions that help drivers transition from fossil fuel vehicles to electric alternatives. TWU’s proprietary data platform, Prayana, uses machine learning models to assess driver behavior, predict repayment patterns, and reduce default risks. This allows TWU to offer competitive interest rates while maintaining repayment defaults below one percent. TWU partners with electric vehicle manufacturers, fleet operators, ride-hailing platforms, and logistics companies to scale electric mobility across Indian cities. Through its mobile application, drivers gain transparency into repayments, asset health, and financial planning, improving long-term income stability. By removing financial, informational, and operational barriers, Three Wheels United supports thousands of drivers in improving earnings, reducing fuel costs, and lowering emissions. The company plays a critical role in India’s climate transition by aligning economic empowerment with sustainable transportation solutions.
Cedrick Tandong
CEO & Co-Founder
Operating since 2010
51-100 Members
Eco-system
Industries
Cities and Towns
Sectors
Circular Economy
Circular Economy Solutions
Sustainable Business
Prayana Data & Analytics Platform The proprietary Prayana platform uses machine learning algorithms to analyze driver behavior, repayment patterns, and asset usage, allowing predictive risk assessment and proactive intervention to prevent loan defaults.
Partnership-Based EV Ecosystem TWU collaborates with leading EV manufacturers, fleet operators, and ride-hailing platforms to ensure reliable vehicle supply, steady driver income, and long-term financial sustainability for borrowers.
Digital Driver Engagement Tools Through its mobile application, drivers receive real-time insights into repayments, earnings, and vehicle performance, improving financial literacy and encouraging responsible ownership and repayment behavior.
Low-Risk Lending & Portfolio Management By combining asset tracking, behavioral data, and automated alerts, TWU maintains default rates below 1%, ensuring scalable and secure lending operations while keeping interest rates competitive.
Climate-Focused Impact Strategy Every financed EV replaces a fossil-fuel vehicle, reducing carbon emissions, fuel expenses, and urban pollution while directly improving livelihoods, aligning TWU’s operations with climate finance and sustainability goals.
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