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Corporate Info

Nature of Business

General Information
Nature of Business
Organization Chart
Board of Directors
Sub-Committees
Management Team
Vision Mission
Company’s History and Milestone
Letter to Shareholders
Restructuring Plan

Nature of Business

Tidlor Holdings Public Company Limited has established the Company as the parent company of the group, operating as a non-operating holding company. TIDLOR does not conduct its own business but holds shares in other companies with the objective of controlling operations in those companies.

TIDLOR formulates the overall strategy for the group, seeks investment opportunities, allocates capital to businesses that generate strong returns, and fosters continuous growth for the group. Additionally, it establishes policies and oversees business operations, risk management, and business continuity management for the companies within the group. TIDLOR’s role and scope of business are as follows:

1. Formulating strategies and policies for the business group and managing resources to maximize efficiency.
2. Coordinating business operations among group companies to create synergy and add value to the group.
3. Providing oversight while allowing subsidiaries to operate independently with professional management, ensuring they can develop strategies aligned with their target markets to achieve sustainable growth and returns.
4. Creating opportunities to expand and further invest in new businesses that promote continuous growth for the group
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Products and Services

TIDLOR’s products and services are divided into two main categories: vehicle title loan services and insurance brokerage services.

Lending
Ngern Tidlor:
A Leading Title Loan Operator
Serving Retail Customers.
With over 1,800 branches nationwide, we provide vehicle title loans for motorcycles, cars, pickup trucks, and trucks, along with 24/7 emergency cash withdrawal services through ATMs via the TIDLOR Card, as well as the E-Withdrawal feature on the Ngern Tidlor application. Customers can receive funds quickly and conveniently directly into their bank accounts, helping them confidently manage financial emergencies.
Non-Life and Life Insurance Brokerage
Shield Insurance Broker:
No.1 Insurance Broker
for Expert Face-To-Face Consultations
With over 5,000 experts across over 1,800 branches nationwide and a 24/7 Call Center at 1501, Shield Insurance Broker is committed to providing professional advice and seamless support at every step—from purchasing to after-sales service—ensuring customers feel confident and assured in every situation.
Areegator: The Online Platform
for Member Sub-Brokers
to Efficiently Offer Insurance
Connecting with over 15 leading insurance companies, Areegator empowers its members with a variety of sale tools, wide range of products, price comparison features, and and coverage options tailored to customer needs.
heygoody:
The Digital Insurance Platform
for the Modern Age
Offering a wide range of insurance options with 24/7 self-service platform, designed for digital-era consumers who value convenience, transparency, and reliability throughout every step of the service experience.

Lending

The Company is committed to driving continuous and sustainable growth, while maintaining its position as The Leading Financial Inclusion Service Provider. The company focuses on offering financial products and services that are easy to understand, convenient, fast, and transparent. It aims to ensure broad customer access through both branch networks and online channels, including the Ngern Tidlor website, mobile application, Facebook page, and Tidlor Connect on the LINE application.

Ngern Tidlor provides vehicle title loans to individual customers, including motorcycles, cars, pickup trucks, and commercial trucks. It also offers hire purchase loans, primarily for used trucks. With features like a revolving cash card and loan disbursement via mobile application, the service enhances customer access and makes it easier to manage unexpected financial needs.

Non-Life and Life Insurance Brokerage

The Company offers both non-life and life insurance brokerage services through a modern InsurTech platform that supports an omni-channel service model. Customers can easily access and purchase car, personal accident, life, and health insurance from over 18 leading insurance providers. The business operates under three core brands:

Shield Insurance Broker is a leading face-to-face insurance brokerage channel, offering personalized advice and services through over 5,000 licensed staff at Ngern Tidlor branches nationwide. Customers are also supported by Call Center 1501, available 24/7.
Areegator is an online insurance platform that supports members with a comprehensive sales management system and access to a wide range of insurance products. It offers flexible, interest-free installment options for customers without requiring members to advance their own funds. Members can also earn additional income by referring vehicle title loans under the Ngern Tidlor brand. The platform currently has over 10,000 members.
heygoody.com is a digital insurance brokerage platform for retail customers who wish to compare and buy insurance online independently. The platform offers coverage including car insurance, electric vehicle insurance, travel insurance, health insurance, personal accident insurance, home insurance, and more. It emphasizes convenience, privacy, and customer-centric service, allowing 24/7 access.