Dhruv Chugh • Titanium AI

Dhruv has deep expertise in the full stack fintech space, a rare capability given the diverse skill sets required to master its components. This expertise was honed at DMI Finance through close collaboration with the CEO, where he executed high-impact deals, including partnerships with software giants like Google Pay, issuing commercial papers with Samsung, and strategic acquisitions of smaller fintechs by Mitsubishi Trust.

Titanium represents a rare opportunity to own infrastructure in a rapidly expanding and under-digitized asset class: SMB private credit. The founder, Dhruv Chugh, has both the technical and market instincts to build a capital-efficient, AI-native platform that serves two clear constituents: platforms that want to embed financial services, and underwriters hungry for data and distribution.

Building

Titanium AI

https://ti46.com

Joined

June 2025

Status

Pre-Seed

How we work with Dhruv

Near Horizon partnered with Dhruv to develop the concept for Titanium, secure design partners, raise the pre-seed round, incorporate the company, and design the product.

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Research

Interviewed 30+ operators across private credit to pinpoint why <$2M SMB loans remain underserved. The insights shaped Titanium’s wedge: AI-powered underwriting for embedded lenders, driving product direction and GTM by aligning with capital markets' risk appetite.

“I treasure my time with Mark, a visionary whose “two ears, one mouth” approach showed me that great companies begin with a deep grasp of customer pain. Together with Sean’s entrepreneurial instincts and Mike’s ML expertise, we have the perfect foundation for something spectacular.”

Dhruv Chugh

CEO, Founder

Titanium AI

Let’s Build Together

Ready to work with us? Let’s go! We’ll be your hands-on partners, joining you for every twist and turn toward success and innovation. Contact us to shape the future together.

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