UnaFinancial
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.
- Company typePrivate
- Founded2015
- HeadquartersSingapore, Singapore
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
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.
UnaFinancial firmographics
Firmographics- Name
- UnaFinancial
- Legal name
- UnaFinancial
- Website
- https://una.financial
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 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
UnaFinancial industry classification
Industry- 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 primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
- akta.pro secondary industries
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Microloans & Working Capital Loans (FSAKAGAA), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
Keywords
Where UnaFinancial is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices6 records
Markets served
UnaFinancial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Short-term Lending - Quick approval loans with fast processing |
| Usage-based | Monthly | Installment Loans - Higher borrowing limits with extended repayment terms |
| Transaction based/ take rate | Pay-as-you-go | Investment Platform - Returns from loan investments with buyback guarantee |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
UnaFinancial product offering
Product offeringCore 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
Companies that use UnaFinancial
Customer profileSegments3 records
Ideal customer profiles3 records
UnaFinancial technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature5 records
UnaFinancial partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- JSCB Microcreditbank (MKBANK)coreJoint 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.
- VelexacoreStrategic 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
UnaFinancial competitors and assessment
Company assessmentDirect 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
UnaFinancial social profiles
Digital presenceUnaFinancial financial estimates
Financial estimateRevenue estimate
Valuation estimate
UnaFinancial leadership team
Management profileNumber of profiles
Profiles5 records
UnaFinancial subsidiaries and ownership
Company hierarchySubsidiaries2 records
UnaFinancial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UnaFinancial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UnaFinancial
What does UnaFinancial do?
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.
Is UnaFinancial a public or private company?
UnaFinancial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was UnaFinancial founded?
UnaFinancial was founded in 2015. It employs 101 to 250 people.
Where is UnaFinancial based?
UnaFinancial is headquartered in Singapore, Singapore, in the Asia region.
How does UnaFinancial make money?
Three revenue lines are on record. Interest Income and Commission Income is the primary driver. The others are investment Platform Returns and SME Lending.
Who are UnaFinancial's main competitors?
Direct peers on record are Kredivo (FinAccel), Branch International, Mintos, Tala, Akulaku and Funding Societies / Modalku. KoinWorks is listed as a regional player. Trusting Social is listed as an emerging player.
Does UnaFinancial have an API?
No public API is recorded for UnaFinancial.
What industry is UnaFinancial in?
UnaFinancial's product category is Digital Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 5222 and its SIC code is 6141.