Cash Credit

What Cash Credit does

Cash Credit (Кеш Кредит; legal entity Кеш Кредит Мобайл ЕАД, UIC 202376220) is a Bulgarian non-bank financial institution headquartered in Sofia, founded in 2010 and registered with the Bulgarian National Bank under Article 3a of the Credit Institutions Act. The company originates consumer credit in two core products: short-term payday-style loans (Кредит до заплата / Keshn na Den) up to €500 with terms up to 30 days and no service fees, and installment loans (Кредит на месечни вноски) from €200 to €3,500 over 2-24 months, with a higher-loan Premium tier up to €6,000 for returning customers. APR (ГПР) ranges up to 49.99%, with a 0% promotional first-loan offer for new online applicants.

The lending platform is built around an automated underwriting engine that integrates with the BNB Central Credit Register (ЦКР), the National Revenue Agency (НАП), the National Social Security Institute (НОИ), the Ministry of Interior identity verification (RegIX), and the Commercial Register to assess creditworthiness in near real time; the company advertises a 6-minute automated approval turnaround. Applications are accepted via website, mobile app, Viber, SMS, USSD, email, and phone, with disbursement and repayment supported through bank transfer, the EasyPay nationwide cashier network, or in person at any of the company's 60+ branch offices across Bulgaria.

The business model is consumer interest income on a high-turnover portfolio of small-ticket loans, with mass-retail distribution via a hybrid online-plus-branch model, regulatory moat from BNB licensing and CCR participation, and a freemium first-loan offer used as an acquisition funnel. Operationally, Cash Credit functions as an unbanked/underbanked consumer credit specialist focused exclusively on the Bulgarian domestic market.

Name

Cash Credit

Legal name

Кеш Кредит Мобайл ЕАД

Website

https://cashcredit.bg

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

101–250 employees

Short description

Cash Credit is a Sofia-based, BNB-licensed Bulgarian non-bank lender offering installment loans (€200-€3,500) and short-term payday loans (up to €500) to Bulgarian consumers, with 60+ branches, a 6-minute automated underwriting engine, and APRs up to 49.99%.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

akta.pro secondary industry

Installment Payday Loans (FSAKAMAB)

Keywords

• Consumer lending
• Installment loans
• Payday loans
• Online consumer credit
• Non-bank lender

Headquarters

HQ city

Sofia

HQ country

Bulgaria

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer loan interest income: Revenue generated from interest charged on installment loans (Кредит на месечни вноски) with amounts from €200 to €3500 and terms from 2 to 24 months. APR (ГПР) ranges up to approximately 49.99%.
2. Payday loan interest and fees: Short-term loans (Кредит до заплата) up to €500 with terms up to 30 days. Revenue includes interest and fees on these small, short-duration consumer loans.
3. Promotional / first-loan 0% interest: 0% interest promotional offers for new customers (first loan up to €300/586.75 BGN) used as customer acquisition tool, generating future revenue from repeat borrowers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Cash Credit provides consumer credit products to Bulgarian residents through a hybrid online and physical distribution model. Its two flagship offerings are installment loans (€200–€3,500, 2–24 months) for employed individuals with permanent labor contracts, and short-term payday loans (up to €500, 30 days) with no income requirements and no service fees. Applications are submitted through the website, mobile app, Viber, SMS, USSD, or in-branch, with automated credit scoring delivering approval decisions within 6 minutes via integration with the BNB Central Credit Register (ЦКР), NRA, NSSI, and Ministry of Interior databases.

Product overview

Cash Credit operates as a non-bank financial institution (Cash Credit Mobile EAD, UIC 202376220) offering consumer credit products exclusively in Bulgaria. The product portfolio consists of two core credit offerings: (1) Кредит на месечни вноски (Kredit Premium) - medium-term installment loans ranging from €200 to €3500 with 2-24 month terms and fixed monthly payments, and (2) Кредит до заплата (Keshn na Den) - short-term payday-style loans up to €500 for 30 days with rapid 6-minute approval. The company also offers a 0% interest promotion for first-time online borrowers. Service delivery occurs through a digital platform (website and mobile apps) combined with over 60 physical offices nationwide, integrating with national databases (NAIS, NSSI, CCR, Ministry of Interior, Commercial Register) for automated creditworthiness assessment.

Differentiator

Problem solved

Functional benefit

Brands

• Кредит на месечни вноски (Kredit Premium): Installment credit product for employed individuals with permanent labor contracts, offering amounts from €200 to €3500 with terms of 2 to 24 months.
• Кредит до заплата (Кеш на ден)

Products and services

• Кредит на месечни вноски (Kredit Premium) Installment credit product for Bulgarian consumers, offering amounts from €200 to €3,500 (391.17 to 6,845.41 BGN) with terms from 2 to 24 months and fixed monthly installments. Targets individuals with permanent labor contracts, with lower monthly installments from the first credit and the ability to grow the credit limit to a Premium tier of up to €6,000 for established returning customers.
• Кредит до заплата (Keshn na Den) Short-term credit product for Bulgarian consumers, providing up to €500 (977.92 BGN) for periods up to 30 days. Has no income requirements and no service fees, with rapid review and approval within 6 minutes. Includes a 0% interest promotional offer for new customers applying online for their first loan, used as a customer acquisition mechanism.

Quantifiable outcome

• 6-minute automated credit decision
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• EasyPay (Изипей)coreChannel Partner/ Reseller/ DistributorEasyPay is a key operational partner providing nationwide cashier office network (каси) across Bulgaria for loan disbursement and repayment services. Customers can receive cash loans and make repayments at any EasyPay office. Note: A news item from May 2026 indicated temporary unavailability of EasyPay disbursement services, suggesting a service interruption rather than partnership termination.
• БНБ (Bulgarian National Bank) / Central Credit Register (ЦКР)coreTechnology or IntegrationRegulatory data integration with the BNB-operated Central Credit Register for mandatory monthly reporting of all credit exposures and for real-time creditworthiness checks on loan applicants. Cash Credit is a registered participant in the ЦКР information system.
• Credit intermediaries / agentsminorChannel Partner/ Reseller/ DistributorCredit intermediaries operating at commercial premises and platforms who process loan applications on behalf of Cash Credit, pursuant to the Consumer Credit Act.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Iute Credit Europe: Tallinn-headquartered non-bank consumer lender operating in Bulgaria, Moldova, North Macedonia and Albania with installment and short-term products. Directly comparable business model and customer segment to Cash Credit within the same regulatory environment.
• Easy Credit (Bulgaria): Bulgarian non-bank consumer credit provider offering installment and fast-loan products to employed individuals with online and physical distribution. Directly competes with Cash Credit on similar loan sizes and customer profiles within Bulgaria.
• Provident Bulgaria (Provident Financial Group): Bulgarian arm of the UK-listed Provident Financial, providing home-collected and online consumer installment credit. Closely comparable installment product, customer segment, and Bulgarian regulatory framework to Cash Credit.
• Mofl.bg: Bulgarian online consumer credit platform offering short-term and installment loans with automated underwriting. Directly competes with Cash Credit in the same Bulgarian consumer-credit segment with a primarily digital distribution model.

Broad incumbents

• Home Credit Bulgaria: Bulgarian subsidiary of the international PPF/Home Credit consumer finance group, offering POS, installment and cash loans. Comparable product set and target customer, but part of a much larger multi-country balance sheet and broader product portfolio.

Emerging players

• Credissimo: Bulgarian online direct lender offering consumer and SME installment credit. Niche overlap with Cash Credit on consumer installment lending but with a somewhat younger product suite and lighter physical footprint.

Regional players

• TBI Credit (Bulgaria): CEE-focused consumer credit provider with Bulgarian operations, offering installment lending at retail and online points of sale. Adjacent business model and shared Bulgarian consumer base, with stronger POS/distribution partnerships than Cash Credit.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cash-credit

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

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 Cash Credit