Mokilizingas
Mokilizingas is the Lithuanian branch of Estonian-licensed digital bank AS Inbank, offering consumer loans, BNPL, deposits, and merchant financing to 500,000+ customers across European markets via a 100% digital platform.
- Company typePrivate
- Founded1999
- HeadquartersVilnius, Lithuania
- Headcount—
- GTM typeB2C
- OfferingServices
What Mokilizingas does
Mokilizingas operates as the Lithuanian branch (AS Inbank filialas) of AS Inbank, an Estonian-licensed digital bank headquartered in Vilnius at Konstitucijos pr. 18B. Founded in 1999, the company has evolved into a consumer-facing digital lender serving more than 500,000 customers across European markets. Its product portfolio is anchored in unsecured consumer credit — consumer loans up to EUR 20,000 and home improvement / renovation loans up to EUR 30,000 — supplemented by car loans, medical loans, payment protection insurance, deposits, and a Smart Rent rental-with-ownership offering. Underwriting and account servicing are delivered through a 100% digital platform with minute-level loan decisions and direct-to-account fund transfers.
The company's core distribution operates through two parallel channels: a direct-to-consumer digital banking flow via inbank.lt, and a B2B2C embedded finance model in which the same balance sheet is exposed via BNPL and merchant financing at checkout across more than 6,000 partner stores. The merchant footprint spans clothing, footwear, electronics, furniture, automotive, green energy, and medical verticals, with specialized financing products for each (auto financing, green financing, medical leasing). A partner self-service portal (partner.inbank.lt) and a public integration API (docs.inbank.eu) support merchant onboarding and embedded integration.
Mokilizingas generates revenue primarily through interest income on consumer and merchant loans, deposit interest spreads, BNPL transaction fees from merchant partners, and transaction-based fees on merchant financing solutions. The franchise is supported by AS Inbank's Estonian banking license, with all deposits insured by the Estonian Guarantee Fund. The 2018 acquisition of Mokipay Europe signaled inorganic appetite to bolster the BNPL/payments stack. No disclosed headcount, revenue, or external funding data is available in the input set.
Mokilizingas firmographics
Firmographics- Name
- Mokilizingas
- Legal name
- AS Inbank
- Website
- https://mokilizingas.lt
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Short description
- Mokilizingas is the Lithuanian branch of Estonian-licensed digital bank AS Inbank, offering consumer loans, BNPL, deposits, and merchant financing to 500,000+ customers across European markets via a 100% digital platform.
- Ownership category
- akta.pro rank
Mokilizingas industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222), Sales Financing (52222), Depository Credit Intermediation (5221)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Merchant-Integrated BNPL (Online Checkout) (FSAKACAA)
- akta.pro secondary industries
- Buy Now, Pay Later (BNPL) (CRAFALAD), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)
Keywords
Where Mokilizingas is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices1 record
Markets served
Mokilizingas 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: Interest income from consumer loans, home loans, auto loans, and medical loans extended to private individuals. Loans range up to 30,000 EUR with repayment terms.
- BNPL Transaction Fees: Merchant partners pay transaction fees when customers use installment payment options at checkout. Inbank works with 6,000+ electronic stores for buy now pay later services.
- Deposit Interest Spread: Inbank accepts deposits from customers, paying interest at contract end. The spread between lending rates and deposit rates generates revenue.
- Merchant Financing Solutions: B2B financing products for merchant partners including auto financing, green energy financing, medical leasing, and smart rent solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Consumer loans 3,000-20,000 EUR |
| Subscription | Monthly | Home loans up to 30,000 EUR |
| Subscription | Monthly | Auto loans |
| Transaction based/ take rate | Pay-as-you-go | BNPL installments |
| Unit Pricing | Annual | Deposits |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Mokilizingas product offering
Product offeringCore offering
Mokilizingas is the Lithuanian branch of AS Inbank, operating as a 100% digital consumer bank that issues personal loans, home renovation loans, car loans, and medical loans to private individuals, accepts online deposit accounts, and provides Buy Now Pay Later (BNPL) installment payment infrastructure integrated with 6,000+ e-commerce merchants across Europe. The company also offers specialized B2B financing verticals for merchants covering automobile, green energy, and medical leasing, plus a Smart Rent rental service.
Product overview
Inbank (Mokilizingas) operates as a Lithuanian branch of AS Inbank, offering a comprehensive digital banking platform with bank license. The product portfolio centers on consumer lending (consumer loans, home loans, medical loans, car loans) and deposit services, complemented by Buy Now Pay Later (BNPL) installment payment solutions integrated with over 6,000 e-commerce merchants. The offering also includes specialized financing verticals for merchants including automotive financing, green/eco financing, and medical leasing, along with a Smart Rent rental service. All services are delivered through a 100% digital platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Consumer Loan (Vartojimo paskola) Online personal consumer loan offered up to 20,000 EUR for various life needs, with decisions within minutes and funds transferred directly to the customer's account.
- Home Loan Plus (Namų paskola plius) Home improvement loan up to 30,000 EUR where the customer decides how to invest in their home; funds transferred directly to the account with special conditions.
- Home Renovation Loan (Paskola būsto remontui) Loan specifically designed for home renovation and repair projects.
- Medical Loan (Medicinos paskola) Loan for medical treatments and healthcare expenses, allowing customers to invest in their health now.
- Car Loan (Paskola automobiliui) Online vehicle financing where the customer becomes the vehicle owner while Inbank finances the purchase; loan calculator available for term estimation.
- Car Loan Plus (Automobilio paskola plius) Enhanced car loan product with additional features for vehicle financing.
- Installment Payments / BNPL (Atsiskaitymas dalimis) Buy Now Pay Later service integrated with over 6,000 e-commerce stores, allowing customers to pay their shopping cart in installments.
- Medical Services Financing (Medicinos paslaugų finansavimas) Installment-based financing for medical services, examinations, and operations.
- Deposits (Indėliai) Online savings deposits with interest paid at contract end; all deposits insured by the Estonian Guarantee Fund regardless of amount; managed online from anywhere.
- Smart Rent (Nuomos paslauga) Rental service allowing customers to rent products with an eventual ownership option.
- Automobile Financing for Merchants (Automobilių finansavimas prekybininkams) B2B financing solution for merchants selling automobiles, enabling their buyers to purchase vehicles.
- Green Financing (Žaliasis finansavimas) Eco-friendly financing solutions for green energy and sustainable purchases offered through merchant partners.
- Medical Leasing for Merchants (Medicinos lizingas prekybininkams) Leasing solutions for medical service providers and clinics to offer installment-based payment to their patients.
- Smart Rent for Merchants Merchant-facing rental/leasing program allowing retail partners to offer customers product rentals with ownership option.
Quantifiable outcome
- 500,000+ customers served across Europe
- +2 more outcomes
Companies that use Mokilizingas
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Mokilizingas technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Mokilizingas partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- 6,000+ Electronic Stores/RetailerscoreInbank's merchant partner network for BNPL services. These retail partners integrate Inbank's installment payment solution at checkout, allowing their customers to pay in installments. Partners span multiple verticals including electronics, clothing, furniture, and general retail. The network enables Inbank's core B2B2C distribution model.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Mokilizingas competitors and assessment
Company assessmentDirect peers
- Mogo Finance: Baltic-headquartered consumer and auto lender operating across CEE and CIS — closely comparable in regional footprint and consumer/auto credit product mix.
- Nordax Bank: Nordic specialist bank focused on consumer lending, with growing pan-European and broker-channel distribution — comparable in digital, deposit-funded consumer credit model.
- Afterpay (Block): Global BNPL pioneer (now part of Block) offering pay-in-installments at online checkout across tens of thousands of merchants — directly comparable installment product and merchant distribution model.
- Klarna: Pan-European BNPL and consumer banking platform with the same core merchant-integrated installment model and a banking license in its home market — directly comparable in product, target merchants, and end consumers.
- Affirm: US-listed BNPL provider with merchant-integrated installment payments at online checkout, plus longer-term consumer loans — directly comparable in product mechanics and merchant GTM.
- Bigbank: Estonian-headquartered digital bank operating across the Baltics and CEE with consumer loans, deposits, and auto/green financing — closest direct peer in terms of geography, license, and product mix.
- Svea Bank: Nordic financial group with consumer lending, e-commerce/BNPL financing, and SME credit — directly comparable in merchant-integrated installment solutions and Northern European footprint.
- Resurs Bank: Nordic consumer and retail finance bank with white-label BNPL, retail finance, and deposits — comparable in B2B2C embedded lending and pan-Nordic/European scope.
- TF Bank: Swedish digital bank offering consumer credit, BNPL/e-commerce financing, and deposits across the Nordics and selected European markets — comparable in product breadth and pan-European digital lending model.
Emerging players
- Instabank: Norwegian digital consumer bank offering personal loans, credit cards, and deposits via a mobile-first platform — emerging player with overlapping digital consumer-banking proposition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Mokilizingas social profiles
Digital presenceMokilizingas compliance and trust
Trust signalCompliance2 records
Mokilizingas financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mokilizingas leadership team
Management profileNumber of profiles
Mokilizingas funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mokilizingas M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mokilizingas
What does Mokilizingas do?
Mokilizingas is the Lithuanian branch of AS Inbank, operating as a 100% digital consumer bank that issues personal loans, home renovation loans, car loans, and medical loans to private individuals, accepts online deposit accounts, and provides Buy Now Pay Later (BNPL) installment payment infrastructure integrated with 6,000+ e-commerce merchants across Europe. The company also offers specialized B2B financing verticals for merchants covering automobile, green energy, and medical leasing, plus a Smart Rent rental service.
Is Mokilizingas a public or private company?
Mokilizingas is a private company. It is classified as corporate owned and is currently operating.
When was Mokilizingas founded?
Mokilizingas was founded in 1999.
Where is Mokilizingas based?
Mokilizingas is headquartered in Vilnius, Lithuania, in the Europe region.
How does Mokilizingas make money?
Four revenue lines are on record. Consumer Lending is the primary driver. The others are BNPL Transaction Fees, deposit Interest Spread and merchant Financing Solutions.
Who are Mokilizingas's main competitors?
Direct peers on record are Mogo Finance, Nordax Bank, Afterpay (Block), Klarna, Affirm, Bigbank, Svea Bank, Resurs Bank and TF Bank. Instabank is listed as an emerging player.
Does Mokilizingas have an API?
Yes. Mokilizingas exposes a public API. Developer documentation is at docs.inbank.eu.
What industry is Mokilizingas in?
Mokilizingas's product category is Consumer Lending. Its primary akta.pro industry code is FSAKACAA, Merchant-Integrated BNPL (Online Checkout), with a secondary code of CRAFALAD, Buy Now, Pay Later (BNPL). Its NAICS code is 5222 and its SIC code is 6141.