What Fast Money does

Fast Money (ООО МКК «Фастмани.ру») is a Russian online microfinance organization founded in 2014 and headquartered in the Leningrad Oblast. The company issues short-term microloans of 1,000-30,000 rubles over 7-30 day terms to Russian citizens aged 21 and over, with a 0% promotional rate for first-time borrowers who repay on time. Loans are originated, signed (via SMS code), and disbursed end-to-end through the FastMoney.ru website, with funds transferred instantly to bank cards on the Visa, MasterCard, and MIR networks. The business is supervised by the Central Bank of Russia (registration No. 1803140008707 since 18.01.2018) and has been a member of the SRO Microfinance Alliance since December 2021.

The underlying technology is a digital lending platform with automated decisioning that the company claims delivers approval in approximately one minute with a stated 95% approval probability, a personal account ("Личный кабинет") for loan management, and digital document handling. Website analytics are run through Yandex.Metrika, and the company has no native mobile application. Beyond the core loan product, Fast Money markets a small set of ancillary add-on services — Mobile Lawyer (legal advisory via partner OOO ST-Servis), telemedicine and voluntary health insurance (via partner IP Milevsky and OOO RB Insurance), and credit-holiday / restructuring options for borrowers in hardship — as well as a credit-history rehabilitation angle targeting subprime applicants rejected by banks.

Commercially, Fast Money operates a direct-to-consumer, self-serve model with 24/7 availability and a pay-as-you-go interest model per loan. The company is privately held by a single participant, has no disclosed institutional investors, and has not announced any external funding rounds; new general director Lazareva Anastasiya Alexandrovna was appointed in February 2026. All operations are domestic (Russia only), with cash-repayment distribution handled through Elecsnet terminals in addition to the digital self-serve portal.

Name

Fast Money

Legal name

Общество с ограниченной ответственностью Микрокредитная компания «Фастмани.ру»

Website

https://fastmoney.ru

Company type

Private

Founded year

2014

Operating status

Operating

Short description

Fast Money is a Russian online microfinance company (ООО МКК «Фастмани.ру») that issues 1,000-30,000 ruble short-term microloans (7-30 days) to Russian consumers via a fully digital, SMS-signed lending platform, with 0% promotional first loans.

Ownership category

akta.pro rank

Product category

Consumer Microfinance

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

akta.pro secondary industries

Single-Payment Payday Loans (FSAKAMAA), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Online microloans
• Consumer lending
• Microfinance services
• Instant cash loans
• Short-term borrowing

Headquarters

HQ city

Sankt-peterburg

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest and Fees: FastMoney generates revenue through interest charged on microloans. New customers receive 0% interest if the loan is repaid on time. For standard loans, interest accrues daily at 0% per day (as stated on the main page). Additional services include the 'Мобильный юрист' (Mobile Lawyer) optional service.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

FastMoney is an online microfinance company that issues instant short-term loans of 1,000 to 30,000 rubles for terms of 7 to 30 days directly to Russian consumers' bank cards (Visa, MasterCard, MIR). The fully digital application process takes under 3 minutes, automated decisions are delivered in approximately 1 minute, and contracts are signed via unique SMS codes with funds transferred instantly to the borrower's card. A 0% promotional rate is offered to first-time customers who repay on time, with add-on services such as credit-history rehabilitation, loan restructuring, Mobile Lawyer, and Telemedicine available through the Personal Account portal.

Product overview

Fast Money operates as a single-platform online microfinance service offering instant loans on bank cards. The core product is the online microloan (1,000–30,000 rubles, 7–30 days, 0% for new clients) delivered via the Personal Account portal. Supporting services include credit history improvement, loan restructuring options, and credit holidays for borrowers in hardship. Supplementary offerings include Mobile Lawyer legal services and Telemedicine insurance, all accessible through the unified customer portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Fast Money Online Microloan (Онлайн-займ на карту) Instant online microloan of 1,000 to 30,000 rubles disbursed directly to the borrower's Visa, MasterCard, or MIR bank card, with terms of 7–30 days and an automated 1-minute approval decision available 24/7 to Russian citizens aged 21+.
• Personal Account (Личный кабинет) Online customer portal where borrowers manage their loans, view repayment schedules, access loan documents and certificates, track loan history, and submit restructuring requests.
• First Loan at 0% (Первый займ под 0%) Promotional 0% interest rate microloan available exclusively to new customers who repay on time, serving as an acquisition tool for first-time borrowers.
• Credit History Improvement (Улучшение кредитной истории) Service helping clients rebuild damaged credit history through successful on-time repayment of microloans that generate positive records at credit bureaus.
• Loan Restructuring (Реструктуризация задолженности) Debt restructuring service for borrowers experiencing financial hardship (e.g., job loss, medical treatment, presence of minor children), modifying the repayment schedule of an existing microloan.
• Credit Holidays (Кредитные каникулы) Payment deferral program allowing qualifying borrowers with a verified income reduction of 30% or more to temporarily suspend loan payments for up to 90 days.
• Mobile Lawyer (Мобильный юрист) Optional add-on service providing borrowers with legal and informational consultations, delivered in partnership with OOO ST-Servis under an agency agreement.
• Telemedicine Service (Телемедицина) Optional telemedicine insurance add-on providing remote medical consultations and health-related services to borrowers through partner arrangements.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Microfinance Alliance 'Institutions for SME Development' (Союз «Микрофинансовый Альянс «Институты развития малого и среднего бизнеса»)coreOthersFastMoney is a member of the Self-Regulatory Organization (SRO) Microfinance Alliance since December 15, 2021. The organization is located at 127055, Moscow, Sushchevskaya st., 21, office 513. This membership provides regulatory oversight, industry standards compliance, and consumer protection framework.
• OOO ST-Servis (ООО «СТ-Сервис»)minorImplementation/ SI/ Consulting PartnerAgency contract No. 04-10/2021/03 dated 04.10.2021 for providing the 'Mobile Lawyer' service (Мобильный юрист). This optional service offers legal and informational advisory services to borrowers.
• OOO RB Insurance (ООО РБ Страхование)minorOthersPartnership for complex insurance services covering risks associated with plastic card usage and other risks (Rules No. 3.1). Also provides voluntary health insurance against critical diseases.
• IP Milevsky (ИП Милевский)minorGTM or Marketing PartnerMultiple marketing service agreements: contract No. 1153.22012026 for service promotion dated 22.01.2026; agreement for service promotion from 01.11.2023. Also provides telemedicine services and insurance products.
• Elecsnet (Элекснет)minorChannel Partner/ Reseller/ DistributorElecsnet payment terminals serve as an offline channel for loan repayment, allowing borrowers to make cash payments at terminal locations throughout Russia.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Srochnodengi: Russian microfinance organization offering short-term consumer loans online and through partner outlets. Comparable on consumer microloan product, regulatory standing, and focus on quick-access small-dollar credit.
• Webbankir: Online Russian MKK providing short-term microloans disbursed to bank cards with automated approval. Closely matches FastMoney's 24/7 online application, small-ticket short-term loan product, and Russian consumer target market.
• MoneyMan: One of Russia's largest online microfinance organizations, offering instant online microloans on bank cards. Directly comparable in product, customer segment (Russian underbanked consumers), digital-first GTM, and CBR-regulated MKK model.
• Vivus Russia: Online Russian microfinance company offering short-term consumer microloans. Directly comparable on online microloan product, Russian consumer segment, and CBR-regulated MKK positioning.
• Zaymer: Russian online microfinance company offering 1-minute automated loan decisions and disbursement to cards. Directly comparable on online microloan product, subprime customer base, and CBR-regulated MKK status.
• Lime (Lime Zaim): Russian online microfinance organization issuing short-term microloans on bank cards with automated approval. Closely comparable in online microloan product, target customer, and digital self-service model.
• Migcredit: Russian online microfinance organization providing short-term loans and installments to individuals. Comparable on consumer microloan product, online channel, and Russian underbanked customer focus.
• Ezaem: Online Russian MKK providing short-term microloans up to ~30,000 rubles with a first-loan-at-zero promo. Matches FastMoney on product, ticket size, promotional pricing strategy, and digital-only customer experience.
• Denga: Russian microfinance company with online and physical retail presence offering short-term consumer loans. Comparable on consumer microloan product, ticket size, and Russian underbanked customer segment.
• Moneza: Russian online MKK offering short-term microloans with automated decisioning. Matches FastMoney on online microloan product, card-based disbursement, and Russian consumer target.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Fast Money