MoneyMan

Name

MoneyMan

Legal name

Общество с ограниченной ответственностью Микрофинансовая компания «Мани Мен»

Website

https://moneyman.ru

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Consumer Microfinance

NAICS

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

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

akta.pro secondary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

Keywords

• Online consumer lending
• Microfinance services
• Digital microloans
• Short-term personal loans
• Automated credit scoring

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Microloans: Primary revenue from interest accrual on issued microloans at rates from 0% (promotional first loans) to 0.8% daily (292% annual rate cap). Loan amounts range from 1,000 to 100,000 rubles with terms up to 1,800 days. Interest income constitutes the core revenue stream.
2. Penalty and Late Fees: Penalty of 20% of loan amount plus 150 rubles per 10 days for payment delays. These fees apply to borrowers who fail to meet minimum payment obligations.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

MoneyMan operates a fully digital online consumer microfinance platform in Russia, issuing short-term and mid-term personal loans ranging from 1,000 to 100,000 rubles (and up to 1,000,000 rubles under PTS collateral) via website, mobile app, and Telegram bot. Loan applications are processed 24/7 by an automated multi-factor credit scoring system using credit bureau data, behavioral parameters, and government-issued identity data, with disbursement typically occurring within minutes of approval.

Differentiator

Problem solved

Functional benefit

Brands

• MoneyMan — Займы онлайн: Mobile app brand name on app stores for the Android and iOS application.

Products and services

• First-Time Promotional Microloan Interest-free microloan offered to new customers for the first 7 days, capped at 30,000 rubles, with the application requiring only a Russian passport. Designed to acquire first-time borrowers who have no credit history or are new to the MoneyMan platform.
• Standard Online Microloan Unsecured consumer microloan from 1,000 to 100,000 rubles at 0.8% daily interest, with terms up to 1,800 days (60 billing periods of 30 days). Total cost of credit ranges 281%-292% annually. Loans above 30,000 rubles are available to existing customers with bi-weekly repayment over 10+ weeks.
• PTS-Collateralized Loan Secured consumer loan up to 1,000,000 rubles (maximum 70% of vehicle market value) using the vehicle's passport (PTS) as collateral. Interest rate 29.2%-42.0% annually with terms up to 60 months. Vehicle remains in the borrower's possession throughout the loan term.
• Personal Credit Rating Standalone credit rating service for individual borrowers that surfaces their personal credit score derived from bureau and behavioral data. Helps consumers understand their creditworthiness and is positioned as a distinct educational/transparency product within MoneyMan's offerings.

Quantifiable outcome

• 98% of applications approved when submitted through Gosuslugi integration
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

AI capability5 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core.

• Platiza (OOO MKK Mani Men)coreStrategic or Co-development PartnerRelated microcredit company (MKK) under same ownership group. Offers complementary microloan products. Listed as partner under 'Займ у наших партнеров' section on MoneyMan website.
• Svoi Bank (AO Svoi Bank)coreTechnology or IntegrationBank partner for simplified identification and virtual card issuance. MoneyMan customers can receive loans on Svoi Bank virtual cards. Located at same address (1 Vasilisy Kozhinoy St., Moscow).
• NBKI (AO NBKI)coreTechnology or IntegrationNational Bureau of Credit Histories - primary credit bureau providing credit history data for scoring algorithms.
• OKB (AO OKB)coreTechnology or IntegrationCredit Bureau providing credit history data and scoring evaluations for loan decision system.
• BKI SB (AO BKI SB)coreTechnology or IntegrationScoring Bureau providing user behavioral data and derivative analytics for fraud detection and scoring.
• MegaFon (PAO MegaFon)coreTechnology or IntegrationTelecommunications partner providing subscriber data and behavioral analytics for enhanced credit scoring through OneFactor service.
• Gosuslugi (State Services Portal)coreTechnology or IntegrationIntegration with Russian government services portal enables simplified authentication and automatic population of passport data, increasing approval rate to 98%.
• SBP (System of Fast Payments)coreTechnology or IntegrationRussian instant payment system integration for immediate loan disbursement and repayment processing.

Scale indicators6 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• MigCredit: Russian online microfinance company providing consumer microloans to individuals, including longer-term installment products. Comparable to MoneyMan on the online consumer lending core business and target segment, with some overlap on installment-style products.
• Webbankir: Russian online MFO offering short-term consumer microloans via a fully digital, automated decisioning platform. Directly comparable to MoneyMan on product structure (small-dollar, short-tenor, online origination), target customer (subprime/thin-file borrowers), and regulatory status as a Bank of Russia-registered MFC.
• Vivus Russia: Russian online MFO offering short-term consumer loans with automated decisioning, part of the international 4finance Group. Comparable to MoneyMan on online microloan product, subprime customer focus, and automated digital origination.
• Zaymer: One of the largest online MFOs in Russia, providing instant short-term consumer loans with automated scoring. Closely comparable to MoneyMan across loan size, term, target segment, and the fully-online self-serve distribution model.
• Ezaem: Russian online MFC offering short-term consumer microloans with automated scoring and 24/7 origination. Direct competitor to MoneyMan on target customer (subprime/thin-file), product structure (small-dollar short-tenor), and digital-only distribution.
• Moneza: Russian online microfinance company providing automated short-term consumer loans. Comparable to MoneyMan on product, target customer, and fully-digital origination model within the same MFC regulatory framework.
• Lime (Lime-Zaim): Russian online microfinance company offering fully automated short-term consumer loans. Comparable to MoneyMan on product (small-ticket online microloans), automated decisioning approach, and Bank of Russia MFC regulatory standing.
• Platiza: Sister brand under the same IDF Eurasia holding, operating as an MKK (lower-tier microcredit company) with overlapping microloan products. Comparable to MoneyMan as effectively a parallel product line within the same group, sharing infrastructure and addressable customer base.

Others

• Sravni.ru: Russia's leading financial product aggregator and comparison platform, where MoneyMan is listed as a partner and through which it sources significant inbound traffic. Adjacent ecosystem participant rather than a direct competitor, but central to MoneyMan's customer acquisition funnel and brand visibility.

Broad incumbents

• Tinkoff Bank (T-Bank): Russia's largest digital-native retail bank, offering consumer credit cards, installment loans, and increasingly small-ticket digital lending via its app. Broad incumbent in the Russian consumer credit market that overlaps with MoneyMan's customer base and digital distribution but operates at materially larger scale and across the full banking stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/moneymanrussia
• Facebookfacebook.com/moneymanrus
• LinkedInlinkedin.com/company/2809120

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds2 records

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 MoneyMan