CCLoan
CCLoan (brand: Monto) is a Kyiv-based, NBU-licensed online microfinance company offering 24/7 short-term consumer loans up to 6,000 UAH to Ukrainian citizens aged 18-60, disbursed to bank cards via BankID verification, automated credit scoring, and self-serve web and mobile applications.
- Company typePrivate
- Founded2019
- HeadquartersKyiv, Ukraine
- Headcount251–500
- GTM typeB2C
- OfferingServices
What CCLoan does
CCLoan, operating under the consumer brand Monto, is a Kyiv-based Ukrainian online microfinance company (legal entity ТОВ «СІРОКО ФІНАНС», EDRPOU 42827134) licensed by the National Bank of Ukraine (certificate FC 1207, registered May 21, 2019; license re-registered with expanded scope on March 21, 2024). The company provides fully digital short-term consumer loans to Ukrainian citizens aged 18-60, with a 5-15 minute online application process, BankID identity verification, and disbursement to Visa/MasterCard bank cards via Universal Bank. Standard pricing is 1% per day on outstanding principal, with a promotional rate as low as 0.01% daily on first loans up to 6,000 UAH for 5-20 days, and loyalty discounts of up to 90% for repeat customers with good repayment history.
The platform is built as a self-serve product with native iOS and Android apps and a web interface at monto.com.ua. Its core technology stack comprises an automated credit scoring engine that issues instant decisions 24/7, BankID-based electronic KYC, and PCI DSS-compliant card data handling with SSL encryption. Loan origination commissions and daily interest charges on outstanding principal constitute the primary revenue streams, with no usage of guarantors or collateral. Distribution is exclusively digital, leveraging Facebook, Instagram, Telegram, Viber, SMS, email, in-app push notifications, and SEO to acquire customers, alongside promo codes (Y2NV, 2JY, 2VD) offering 20-25% discounts to drive repeat usage.
The customer base is segmented across underserved Ukrainian consumer groups, including students, pensioners, individuals with poor or no credit history, and workers without formal employment documentation. The company has no disclosed institutional investors, parent company, or acquisition activity, and operates as a single-jurisdiction, privately held firm with 251-500 employees. Its 2024 license re-registration added factoring and financial leasing to its authorized scope, signaling potential product surface expansion beyond micro-credit, though no geographic expansion beyond Ukraine is evidenced in the input data.
CCLoan firmographics
Firmographics- Name
- CCLoan
- Legal name
- ТОВАРИСТВО З ОБМЕЖЕНОЮ ВІДПОВІДАЛЬНІСТЮ «СІРОКО ФІНАНС»
- Website
- https://ccloan.ua
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- CCLoan (brand: Monto) is a Kyiv-based, NBU-licensed online microfinance company offering 24/7 short-term consumer loans up to 6,000 UAH to Ukrainian citizens aged 18-60, disbursed to bank cards via BankID verification, automated credit scoring, and self-serve web and mobile applications.
- Ownership category
- akta.pro rank
Where CCLoan is headquartered
LocationHeadquarters
- HQ city
- Kyiv
- HQ country
- Ukraine
- HQ region
- Europe
Offices1 record
Markets served
CCLoan business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Micro-credit interest income: Primary revenue from daily interest charges on micro-loans. Standard rate is 1% per day. For new customers, first loan up to 6,000 UAH for 5-20 days at promotional rates as low as 0.01% daily. Interest accrues on outstanding principal until full repayment.
- Loan origination commission: One-time commission fee charged for loan issuance. As per example calculation: 1,000 UAH loan for 15 days includes 148.60 UAH commission.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | First-time borrower loan: up to 6,000 UAH, 5-20 days, promotional rate 0.01% daily |
| Usage-based | Pay-as-you-go | Standard repeat borrower loan: up to 30,000 UAH annually, variable term |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
CCLoan product offering
Product offeringCore offering
CCLoan (brand name "Monto") is a Ukrainian online microfinance company that issues short-term consumer microloans of up to 6,000 UAH for new borrowers (extendable to 30,000 UAH annually for returning customers) over terms of 5 to 360 days. Applications are processed automatically 24/7 with approval typically completed in 5–15 minutes, identity verified through BankID, and funds disbursed directly to the borrower's Visa or MasterCard bank card. The standard daily interest rate is 1%, with first-loan promotional rates as low as 0.01% per day and loyalty discounts of up to 90% for repeat customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Monto - Online Microcredit Service A fully online micro-lending platform providing instant credit of up to 6,000 UAH for up to 20 days for new customers (and up to 30,000 UAH annually for returning customers) at a 1% daily standard interest rate, with BankID-based verification and same-day disbursement to the borrower's Visa or MasterCard bank card. Targeted at Ukrainian citizens aged 18–60 needing emergency cash.
- Credit Without Guarantors An online consumer microloan product available to Ukrainian citizens aged 18–60 that requires no guarantor or collateral and minimal documentation (passport plus tax ID), processed automatically through the Monto platform with funds disbursed to the borrower's bank card.
Quantifiable outcome
- Loan approval in 5-15 minutes from application to fund transfer
- +3 more outcomes
Companies that use CCLoan
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles2 records
CCLoan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CCLoan partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- National Bank of Ukraine (NBU)coreRegulatory licensing and oversight relationship. Monto operates as a licensed financial company under license FC 1207, registered May 21, 2019. NBU regulates all consumer credit operations and enforces compliance with Ukrainian financial services law.
- BankID UkrainecoreIntegration for customer identity verification. BankID enables quick electronic identification allowing customers to register and verify identity without physical documents, photos, or video calls. Reduces fraud risk and speeds up onboarding process.
- Universal Bank (УНІВЕРСАЛ БАНК)coreBanking partner for loan disbursement and repayment processing. IBAN account UA62 322001 00000 2650 6490 000067 used for financial operations. Handles fund transfers to customer cards and processes repayments.
- Visa and MasterCardcorePayment network partnerships enabling instant fund transfers to customer bank cards. PCI DSS compliant data handling ensures secure processing of card payments and protects customer financial information.
Scale indicators5 records
Recent moves6 records
Expansion highlights4 records
CCLoan competitors and assessment
Company assessmentDirect peers
- CreditKasa: Ukrainian online microlender with similar small-ticket, short-term consumer loan product and digital onboarding via card disbursement.
- AlexCredit: NBU-licensed Ukrainian online lender providing short-term microloans to consumers through a fully digital application flow. Directly comparable regulated peer.
- KF.UA: Ukrainian online consumer microcredit platform offering instant loans to individuals with similar underserved-segment targeting.
- MyCredit: Ukrainian online microlender providing instant consumer loans up to similar ticket sizes via BankID and card disbursement. Highly comparable business model and regulatory context.
- ShvidkoGroshi: Major Ukrainian online microfinance brand providing fast consumer loans via web and mobile, directly comparable in product and segment.
- Moneyveo: One of the largest Ukrainian online microlenders offering short-term consumer loans via web and mobile. Directly comparable product (small online cash loans, 24/7 processing) and customer base (underserved Ukrainian consumers).
- SlonCredit: Ukrainian online lender in the microcredit segment, comparable in product (short-term unsecured loans), target customer (underserved borrowers), and delivery model (fully online).
- Cashalot: Ukrainian online microcredit company offering short-term consumer loans through a digital platform with similar ticket sizes and terms.
- Prostocredit: Ukrainian online microcredit service offering fast short-term consumer loans through web and mobile channels with comparable underwriting approach.
Broad incumbents
- Wonga: Pioneer online short-term consumer lender; comparable category and product mechanics even though now operating under tighter UK regulation, illustrating the broader online consumer microcredit model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
CCLoan social profiles
Digital presenceCCLoan financial estimates
Financial estimateRevenue estimate
Valuation estimate
CCLoan leadership team
Management profileNumber of profiles
CCLoan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CCLoan 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 CCLoan
What does CCLoan do?
CCLoan (brand name "Monto") is a Ukrainian online microfinance company that issues short-term consumer microloans of up to 6,000 UAH for new borrowers (extendable to 30,000 UAH annually for returning customers) over terms of 5 to 360 days. Applications are processed automatically 24/7 with approval typically completed in 5–15 minutes, identity verified through BankID, and funds disbursed directly to the borrower's Visa or MasterCard bank card. The standard daily interest rate is 1%, with first-loan promotional rates as low as 0.01% per day and loyalty discounts of up to 90% for repeat customers.
Is CCLoan a public or private company?
CCLoan is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CCLoan founded?
CCLoan was founded in 2019. It employs 251 to 500 people.
Where is CCLoan based?
CCLoan is headquartered in Kyiv, Ukraine, in the Europe region.
How does CCLoan make money?
Two revenue lines are on record. Micro-credit interest income is the primary driver. The others are loan origination commission.
Who are CCLoan's main competitors?
Direct peers on record are CreditKasa, AlexCredit, KF.UA, MyCredit, ShvidkoGroshi, Moneyveo, SlonCredit, Cashalot and Prostocredit. Wonga is listed as a broad incumbent.
Does CCLoan have an API?
No public API is recorded for CCLoan.