UnaFinancial

What UnaFinancial does

UnaFinancial is an international fintech group founded in 2015 and headquartered in Singapore, providing digital financial services — primarily consumer and SME lending — to underserved and underbanked populations across emerging markets in Central Asia, Southeast Asia, the Middle East, and Eastern/Western Europe. The group operates across six countries: Kazakhstan (incumbent market since the first loan in 2015), Singapore (HQ), the Philippines (entered 2021), Croatia (Robo.cash investment platform, since 2017), Uzbekistan (Una Moliya, JV launched 2025), and the UAE (Velexa-powered investing platform). As of end-2025 the group had 21.7 million registered customers, $3B+ in cumulative loans issued, and disclosed FY2024 interest and commission income of $202.3M audited by Grant Thornton.

The core technology stack is an API-based digital lending platform that uses AI and machine learning for risk assessment, enabling loan approvals in under 5 minutes. Product architecture spans three consumer/SME lending lines — short-term loans, installment loans of up to 12 months (Una Moliya offers 4–18 month terms up to UZS 65M), and a Buy Now Pay Later point-of-sale product (UnaCash, Philippines) — complemented by Robo.cash, a fully automated peer-to-peer investment platform open to investors in the EU, UK, and Switzerland that provides a full buyback guarantee. Distribution combines direct-to-consumer digital channels (online and mobile), partner-merchant POS networks (Philippines), and B2B institutional partnerships, notably the 60/40 joint venture with JSCB Microcreditbank (MKBANK) underwriting Una Moliya in Uzbekistan.

The revenue model is interest- and commission-based, supplemented by platform fees and investment-spread returns from Robo.cash, with no outside equity funding disclosed — the company has grown organically since 2015. Customer concentration is by design diffuse: 65% of borrowers are repeat customers, with 54% taking three or more loans and 25% taking six or more (FY2023 data). Profitability has been thin since the FY2022 peak ($13.1M net profit) — FY2024 net profit was $0.6M after the group divested from underperforming assets and exited Vietnam, while H1 2025 recovered to $5M in net profit on $123.5M of interest and commission income, indicating improving operational leverage as new-market launches (Uzbekistan, UAE) ramp.

Name

UnaFinancial

Legal name

UnaFinancial

Website

https://una.financial

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

UnaFinancial is a Singapore-headquartered international fintech group, founded in 2015, that provides AI-driven digital consumer and SME lending and an automated investment platform across emerging and European markets. It serves underbanked individuals and micro-entrepreneurs across six countries.

Ownership category

akta.pro rank

Product category

Digital Consumer Lending

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAKAAAK

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment)

Financial & Insurance/Lending & Consumer Finance/Personal Loans (Unsecured Installment)

SECONDARYFSAGALAD

Embedded Lending & Credit (POS, Working Capital, Credit Lines)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAKAGAA

Microloans & Working Capital Loans

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSAGAHAC

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking)

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

Keywords

• Digital consumer lending
• SME microfinance
• Peer-to-peer lending
• Buy now pay later
• Online installment loans

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Interest Income and Commission Income: Primary revenue stream from interest charges on loans issued and commission fees from lending services. FY2024 revenue reached $202.3 million USD, up from $192.2 million in 2023. The company reports interest and commission income from its lending operations across Kazakhstan, Philippines, Uzbekistan, and other markets.
2. Investment Platform Returns: Robo.cash platform generates returns through investment in short-term and long-term loans, with affiliated lenders and full buyback guarantee for investors in the EU, UK, and Switzerland.
3. SME Lending: Installment loans to micro-entrepreneurs, self-employed individuals, and dehkan farms in Uzbekistan through Una Moliya joint venture, with loan amounts ranging from UZS 3.5 million to 65 million.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

UnaFinancial is an international fintech group operating digital lending platforms across Asia and Europe. The company offers short-term consumer loans, installment loans, buy-now-pay-later (BNPL) point-of-sale financing through UnaCash, an automated peer-to-peer investment platform branded Robo.cash, and SME microfinance lending through the Una Moliya joint venture in Uzbekistan.

Product overview

UnaFinancial is a fintech group offering three core product lines: Short-term Lending (available online and offline with fast approval and complex risk management in Kazakhstan and Philippines), Installment Loans (higher limits with up to 12-month terms in Philippines and Uzbekistan), and an Investment Platform branded as Robo.cash (automated P2P investing for EU/UK/CH investors with full buyback guarantee). The company also operates Una Moliya, a 60%-owned joint venture with MKBANK offering SME loans in Uzbekistan, and UnaCash, a BNPL/POS loan product in the Philippines. The product architecture combines digital lending services for consumers and SMEs with an investment platform connecting lenders to borrowers across Asia and Europe.

Differentiator

Problem solved

Functional benefit

Brands

• Una Moliya: Digital credit service and microfinance organization offering installment loans to micro-entrepreneurs and small businesses in Uzbekistan
• Robo.cash

Products and services

• Short-term Lending Digital short-term loans with fast approval (under 5 minutes) and complex risk management, available both online and offline. Offered to consumers in Kazakhstan and the Philippines.
• Installment Loans Consumer installment loans with higher borrowing limits and longer repayment terms of up to 12 months, paid back in regular installments. Available in the Philippines and Uzbekistan.
• Robo.cash Investment Platform Fully automated investment platform open to investors throughout the European Union, UK, and Switzerland. Offers investments in short-term and long-term loans originated by affiliated lenders, with a full buyback guarantee.
• Una Moliya Digital credit service offering installment loans to micro-entrepreneurs, self-employed individuals, and dehkan farms in Uzbekistan. Loan amounts range from UZS 3.5 million to 65 million with repayment terms of 4 to 18 months. Operated as a 60%-owned joint venture with JSCB Microcreditbank (MKBANK).
• UnaCash BNPL Buy Now, Pay Later solution offering point-of-sale loans accessible via online and in-store partner merchants. Available in the Philippines.

Quantifiable outcome

• Loan approval time reduced to under 5 minutes
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• JSCB Microcreditbank (MKBANK)coreStrategic or Co-development Partner · 22 May 2024Joint venture partnership to establish a microfinance organization (Una Moliya) in Uzbekistan. UnaFinancial holds 60% controlling interest, Microcreditbank holds 40%. The joint company provides installment loans to micro-entrepreneurs, self-employed individuals, and dehkan farms with repayment terms of 4-18 months. Una Moliya was officially registered as an MFO with the Central Bank of Uzbekistan in January 2025 and officially launched in June 2025.
• VelexacoreTechnology or Integration · 11 October 2023Strategic partnership to launch a digital investing platform in the UAE. Velexa's investing platform serves as the backbone system of record for UnaFinancial's digital services, providing API-based connection to exchange venues, external brokers, and financial service providers, as well as automated trade execution. The platform enables clients to acquire and trade multiple asset classes including equities, forex, bonds, commodities, and derivatives. UAE is ranked first among fintech centers worldwide in terms of innovation, market size, and development potential.

Scale indicators10 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• Kredivo (FinAccel): Kredivo operates digital credit and BNPL for underbanked consumers in Indonesia, Philippines and Vietnam. Closely mirrors UnaFinancial's POS lending, installment credit, and AI-driven underwriting of thin-file borrowers in Southeast Asia.
• Branch International: Branch is a mobile lending platform for underbanked consumers and small businesses in Africa and India, using alternative data for instant credit decisions. Comparable to UnaFinancial's AI/ML-driven short-term and installment lending to underserved emerging-market customers.
• Mintos: Mintos is the largest European P2P lending investment marketplace, offering retail investors exposure to consumer and SME loan portfolios with originator buyback guarantees. Directly comparable to UnaFinancial's Robo.cash investment platform for EU/UK/Swiss investors.
• Tala: Tala is a digital lender serving underbanked consumers in emerging markets (Mexico, Kenya, India, Philippines) using alternative data for credit decisions. Directly comparable to UnaFinancial's D2C digital lending model targeting thin-file borrowers with fast, app-based approvals.
• Akulaku: Akulaku is a Southeast Asia-focused BNPL and digital finance platform operating in Indonesia, Philippines, Vietnam and Malaysia. Comparable to UnaFinancial's consumer lending and UnaCash POS/BNPL business in the Philippines and emerging-market footprint.
• Funding Societies / Modalku: Funding Societies is the largest SME digital financing platform in Southeast Asia, offering working-capital loans to micro and small businesses. Directly comparable to UnaFinancial's Una Moliya installment lending to micro-entrepreneurs and dehkan farms in Uzbekistan.

Regional players

• KoinWorks: KoinWorks is an Indonesia-focused digital lending platform serving SMEs and consumers with working capital, invoice financing and peer-to-peer lending. Overlap is significant on SME microloans and P2P investment mechanics similar to Robo.cash, though concentrated in Indonesia.

Emerging players

• Trusting Social: Trusting Social provides AI-based alternative credit scoring for unbanked populations across Vietnam, Indonesia and the Philippines. Adjacent peer: similar AI/ML underwriting approach applied to thin-file borrowers in overlapping Southeast Asian markets, but focused on scoring-as-a-service rather than direct lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/unafinancial
• Xx.com/UnaFinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UnaFinancial