OnePoint

What OnePoint does

OnePoint is the digital consumer-lending brand of BOKT "Embafinans" QSC, an Azerbaijan-licensed non-bank credit organization (license BKT-10 issued by the Central Bank of Azerbaijan on 30.07.2012). Operating from Baku, the platform provides online cash loans in the 100-3000 AZN range with repayment terms of up to six months, a 9% upfront commission, and a 48% annual interest rate. The product is targeted at Azerbaijani citizens with documented official employment who want to avoid bank-branch visits; applications are submitted 24/7 via the website and funds are disbursed to the customer's bank card within roughly 30 minutes of contract signing.

The underlying technology stack combines an automated credit scoring engine with three government and bureau integrations: the Azerbaijan Credit Bureau (AKB) for credit history and arrears checks, Asan Finans for identity-document and employment verification, and SIMA for electronic signature of the credit contract. A pre-application calculator surfaces monthly payment, commission, and total repayment before submission, and the site is built around tier-specific SEO landing pages for each loan amount alongside a bilingual (AZ/RU) interface.

The business model is a transaction-fee lending model earning revenue from a 9% upfront commission on originated principal, 48% annual interest on the loan balance, and late-payment penalties that are also reported back to the credit bureau. Acquisition runs through product-led growth: organic search across loan-amount keywords, a Telegram channel for campaign engagement, and educational content that drives users into the calculator and self-serve application flow. There are no physical branches, no intermediaries in the sales flow, and no publicly disclosed funding, ownership beyond the licensed entity, or external investors.

Name

OnePoint

Legal name

BOKT "Embafinans" QSC

Website

https://onepoint.az

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

OnePoint is the digital consumer-lending platform of Azerbaijan-licensed BOKT Embafinans, offering 100-3000 AZN online cash loans (up to 6 months, 48% APR, 9% upfront commission) to employed Azerbaijani citizens through a fully self-serve, 24/7 web channel with bureau-integrated automated underwriting.

Ownership category

akta.pro rank

Product category

Online Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Installment Payday Loans (FSAKAMAB)

akta.pro secondary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

Keywords

• Online cash loans
• Consumer lending
• Digital lending platform
• Microcredit services
• Unsecured personal loans

Headquarters

HQ city

Baku

HQ country

Azerbaijan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Commission: 9% commission charged upfront from the credit amount before transfer. For example, 1000 AZN credit includes 99 AZN commission.
2. Interest Income: 48% annual interest rate applied to credit principal. Monthly payments calculated over up to 6 month term.
3. Late Payment Penalties: Penalties for delayed payments as specified in electronic credit contract, also recorded in credit bureau affecting credit history

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

OnePoint provides 100% online, small-ticket unsecured cash loans to individual citizens of Azerbaijan who have official employment. Loans range from 100 to 3,000 AZN with repayment terms of up to 6 months, funded directly to a customer's bank (debit or credit) card. The full process — application, automated scoring, contract signing, and disbursement — is completed digitally without visiting a branch or submitting physical documents.

Product overview

OnePoint is an online lending platform operated by BOKT 'Embafinans' QSC (non-bank credit organization licensed by the Central Bank of Azerbaijan). The platform offers a single core product line — online cash loans ranging from 100 to 3000 AZN with repayment terms up to 6 months, 48% annual interest rate, and 9% upfront commission. The portfolio includes nine loan amount tiers (100, 300, 500, 1000, 1500, 3000 AZN and general ranges) positioned at different borrowing needs, all supported by a loan calculator for pre-application payment planning. The platform differentiates itself as a 'bankless' alternative to traditional bank branches and lombard (pawnshop) loans, emphasizing fully online processing using only identity card data with scoring-based credit assessment.

Differentiator

Problem solved

Functional benefit

Products and services

• OnePoint Online Cash Loan 100% online, unsecured cash loan for citizens of Azerbaijan with official employment, ranging from 100 to 3,000 AZN with repayment terms of up to 6 months. Funds are disbursed directly to the customer's bank (debit or credit) card, with application, automated credit scoring, digital contract signing, and funding all completed online.

Quantifiable outcome

• Fund transfer within 30 minutes of contract signing
• +2 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• BOKT Embafinans QSCcoreOthersEmbafinans is the licensed non-bank credit organization (BOKT) that provides the credit services through the OnePoint digital platform. OnePoint is the web application interface of Embafinans Platform. Embafinans holds license BKT-10 from Central Bank of Azerbaijan dated 30.07.2012.
• Asan FinanscoreTechnology or IntegrationThird-party service integrated for identity verification. Checks passport/ID card data and employment history with user's consent during the application process.
• SIMAcoreTechnology or IntegrationDigital signature service used for signing electronic credit contracts. Users are redirected to SIMA mobile app for contract signing after credit approval.
• Azerbaijan Credit Bureau (AKB)coreTechnology or IntegrationCredit bureau providing credit history information. AKB score is checked during creditworthiness assessment with minimum requirement of 200. Late payments are reported to AKB.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Kapital Bank: Largest Azerbaijani retail bank offering consumer loans, credit cards, and digital banking products. Comparable as a domestic provider of consumer credit, though operating at much broader scale and as a depository institution rather than a focused online BOKT.
• Bank Respublika: Azerbaijani commercial bank with a growing consumer lending book and digital channels. Competes for the same employed Azerbaijani borrower segment but through a full-service banking relationship rather than OnePoint's branchless BOKT model.
• Expressbank: Azerbaijani bank offering consumer loans and digital banking products. Directly comparable on target customer (employed citizens) and product (unsecured cash loans), though delivered through a broader banking platform.
• Pasha Bank / PashaPay: Major Azerbaijani financial group with digital consumer and merchant finance products. Comparable as a regulated domestic lender pursuing digital distribution, though at significantly larger scale and across a broader product set.
• AccessBank Azerbaijan: Azerbaijani bank focused on micro and small consumer lending, including to underbanked segments. Comparable in serving similar borrower profiles with small-ticket credit, though distributed via bank branches rather than a digital BOKT license.

Regional players

• FINCA Azerbaijan: Microfinance institution operating in Azerbaijan serving small-ticket consumer and micro-business borrowers. Comparable customer segment and ticket-size range, but distributed through physical branches of a globally affiliated microfinance network.
• TBC Bank (Georgia): Leading Georgian digital bank with strong consumer lending and BNPL offerings, expanding across the Caucasus. Comparable as a digital-first consumer lender in the broader Caucasus region, though operating as a depository bank at much larger scale.

Emerging players

• Credify: Azerbaijani online micro-lender offering small-ticket cash loans to consumers via a fully digital application flow. Closely comparable as a domestic online small-dollar lender targeting similar employed, underbanked Azerbaijani borrowers.

Others

• Mikrokreditləşdirmə / Azerbaijani BOKT sector: The broader population of ~100+ licensed non-bank credit organizations (BOKTs) operating in Azerbaijan under Central Bank oversight. Collectively represents OnePoint's direct competitive set in small-ticket consumer credit, though individual entities are fragmented and many lack digital scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/1pointaz
• LinkedInlinkedin.com/company/onepointaz

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 OnePoint