Gofingo
Gofingo is a privately-owned Lithuanian fintech holding company operating consumer loan providers across Lithuania, Kazakhstan, Ukraine, and the Philippines. It offers online consumer and business financing using a shared IT infrastructure based in Vilnius and Kyiv.
- Company typePrivate
- Founded2017
- HeadquartersKyiv, Ukraine
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Gofingo does
Gofingo is an international fintech holding company that consolidates multiple consumer loan providers under a single corporate umbrella. The company was founded with an original base in the Czech Republic (with conflicting founding-year references of 2015 and 2017 in the source data; the holding has operated profitably since 2017) and is now primarily domiciled in Lithuania as UAB Gofingo (registered office at Rato g. 12B-8, Vilnius, company number 304544874), with Gofingo s.r.o. as a parallel Czech entity. It is privately owned, has 101–250 employees, and operates consumer lending businesses in Lithuania, Kazakhstan, Ukraine, and the Philippines following a 2018 global expansion.
The company's core offering is consumer lending — described as smart, transparent, and responsible financing delivered online — supplemented by business financing positioning. Its technology foundation is a shared IT infrastructure centralized in two hubs, Vilnius and Kyiv, that serve all group entities. This shared stack supports a team of IT developers, risk managers, and data scientists and is the basis for the group's claim of consistent service delivery and risk management standards across markets.
Gofingo operates a direct-to-consumer, fully online go-to-market model with no mobile app and no public pricing. Revenue is generated through interest and fees on consumer loans (transaction-fee model). Marketing is centered on the company website (www.gofingo.com), and distribution is exclusively self-serve digital. The firmographic data indicates no disclosed institutional investors, no acquisitions or mergers, no leadership changes, no certifications, and no partnerships, and there are no publicly listed funding rounds or revenue figures. The most recent dated evidence on the company's website is from 2019, and no material strategic moves after the 2018 expansion are documented in the available sources.
Gofingo firmographics
Firmographics- Name
- Gofingo
- Legal name
- UAB Gofingo
- Website
- https://gofingo.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Gofingo is a privately-owned Lithuanian fintech holding company operating consumer loan providers across Lithuania, Kazakhstan, Ukraine, and the Philippines. It offers online consumer and business financing using a shared IT infrastructure based in Vilnius and Kyiv.
- Ownership category
- akta.pro rank
Gofingo industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
Keywords
Where Gofingo is headquartered
LocationHeadquarters
- HQ city
- Kyiv
- HQ country
- Ukraine
- HQ region
- Europe
Offices5 records
Markets served
Gofingo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Consumer Lending: The company generates revenue through providing consumer loans. As a holding company of different consumer loans providers, the primary revenue stream is interest and fees from lending activities to consumers. Operations have been profitable since 2017.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Gofingo product offering
Product offeringCore offering
Gofingo operates as a privately-owned holding company that consolidates multiple consumer loan providers and delivers smart, transparent, and responsible consumer financing solutions to individual borrowers. The company provides flexible funding through an online, digital-first lending platform, supported by shared IT infrastructure, risk management, and data science teams operating out of IT hubs in Vilnius and Kyiv. Operations span Lithuania, Kazakhstan, Ukraine, and the Philippines.
Product overview
Gofingo is a fintech platform operating as a privately-owned holding company (Gofingo s.r.o.) that consolidates multiple consumer loan providers under one umbrella. The company offers consumer financing solutions characterized by smart, transparent, and responsible lending practices. The portfolio consists of the core Consumer Loans product line, which provides flexible funding to customers. The group shares IT infrastructure, technology solutions, and technical teams across its operations, enabling consistent service delivery across all markets.
Differentiator
Problem solved
Functional benefit
Products and services
- Consumer Loans Core consumer loan product line offered by Gofingo's network of consumer loan providers under the holding company. Delivers smart, transparent, and responsible financing solutions with flexible funding terms to individual consumers via an online channel across Lithuania, Kazakhstan, Ukraine, and the Philippines.
Companies that use Gofingo
Customer profileSegments1 record
Ideal customer profiles1 record
Gofingo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Gofingo partnerships and signals
Strategic signalScale indicators3 records
Recent moves3 records
Expansion highlights4 records
Gofingo competitors and assessment
Company assessmentEmerging players
- Atome Financial: Southeast Asian consumer credit and buy-now-pay-later fintech with operations in the Philippines. Comparable to Gofingo as a digital consumer finance provider in the same regional market.
- Tala (formerly Inventure): Digital consumer lending fintech operating across emerging markets including the Philippines. Comparable as a mobile-first underbanked consumer lender with overlapping customer segment and emerging-market focus.
Direct peers
- Akulaku: Southeast Asian online consumer lending and fintech platform with operations in the Philippines and Indonesia. Comparable to Gofingo as a digital-first consumer credit provider in the same Southeast Asian market.
- Cashalo: Philippines-headquartered digital consumer lending platform offering personal loans via mobile app. Comparable to Gofingo's Philippines operations and similar online consumer credit positioning.
- Kredito24: Lithuania-based online consumer lender operating across Europe and emerging markets. Comparable to Gofingo's Lithuanian entity and overlapping digital consumer lending model and target geographies.
Broad incumbents
- Home Credit Group: A large established consumer finance provider operating across Central and Eastern Europe, CIS, and Asia. Directly comparable as a multi-country emerging-market consumer lender with a similar geographic footprint to Gofingo.
- Lemonade (credit-adjacent): While primarily insurance, Lemonade's broader financial services ambitions overlap with Gofingo's fintech direction. Tangentially comparable as a digitally-native consumer financial services holding structure.
Regional players
- Zaimoosh / Kcell related microfinance players: Central Asian microfinance and consumer credit providers. Comparable to Gofingo's Kazakhstan operation as regional consumer lenders serving similar customer profiles.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Gofingo social profiles
Digital presenceGofingo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gofingo leadership team
Management profileNumber of profiles
Gofingo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gofingo 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 Gofingo
What does Gofingo do?
Gofingo operates as a privately-owned holding company that consolidates multiple consumer loan providers and delivers smart, transparent, and responsible consumer financing solutions to individual borrowers. The company provides flexible funding through an online, digital-first lending platform, supported by shared IT infrastructure, risk management, and data science teams operating out of IT hubs in Vilnius and Kyiv. Operations span Lithuania, Kazakhstan, Ukraine, and the Philippines.
Is Gofingo a public or private company?
Gofingo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Gofingo founded?
Gofingo was founded in 2017. It employs 101 to 250 people.
Where is Gofingo based?
Gofingo is headquartered in Kyiv, Ukraine, in the Europe region.
How does Gofingo make money?
One revenue line is on record: consumer Lending.
Who are Gofingo's main competitors?
Emerging players on record are Atome Financial and Tala (formerly Inventure). Direct peers are Akulaku, Cashalo and Kredito24. Broad incumbents are Home Credit Group and Lemonade (credit-adjacent). Zaimoosh / Kcell related microfinance players is listed as a regional player.
Does Gofingo have an API?
No public API is recorded for Gofingo.
What industry is Gofingo in?
Gofingo's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 52222 and its SIC code is 6141.