LIME Zaim
LIME Zaim is a Russian online microfinance company (top-10 in the Russian MFO market) offering installment, POS, and payday consumer loans to over 500,000 Russian borrowers through a fully digital 24/7 platform with automated 1–3 minute credit decisions.
- Company typePrivate
- Founded2013
- HeadquartersNovosibirsk, Russia
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What LIME Zaim does
LIME Zaim (МФК «Лайм-Займ» (ООО)) is a Russian online microfinance company founded in 2013 and headquartered in Novosibirsk, operating as a top-10 player in the Russian microfinance market. The company provides consumer lending products — installment loans of up to 100,000 rubles for terms up to 52 weeks, short-term payday loans (PDL/микрозаймы), and point-of-sale financing — distributed entirely through digital channels (website, iOS/Android mobile application) on a 24/7 basis. A separate secured auto-collateralized product line is offered through the Caranga partnership, extending ticket sizes to 500,000 rubles for individuals and up to 5 million rubles for individual entrepreneurs, with vehicles and title documents retained by borrowers.
The core technology is a proprietary automated creditworthiness scoring system and real-time decision engine that returns loan decisions in approximately 1–3 minutes. Identity verification integrates with the Russian government services portal Gosuslugi (ESIA) and T-Bank (Tinkoff ID), with the company reporting an 80% lift in approval rates for borrowers authenticated through these channels. Disbursement and repayment are supported across bank cards, bank accounts, QIWI e-wallet, and the Contact money transfer system. LIME Zaim claims to be the only Russian MFO certified to ISO 9001:2015 quality management standard.
The business model is direct-to-consumer transaction-based lending, generating revenue from interest and fees on originated loans. Customer acquisition cost is managed through organic SEO, a broad content footprint covering dozens of borrower personas and loan types, a Telegram channel for promotions, and a referral program offering a 40% discount in exchange for customer reviews. New customers are onboarded with a free first loan of up to 20,000 rubles for up to 40 days, after which repeat borrowers (more than 80% of the customer base) generate the substantial majority of revenue. Reported cumulative scale includes over 21 billion rubles disbursed, more than 2 million loans originated, and more than 500,000 customers served, with an Expert RA credit rating of ruBB+ (stable) as of November 2025.
LIME Zaim firmographics
Firmographics- Name
- LIME Zaim
- Legal name
- МФК «Лайм-Займ» (ООО)
- Website
- https://lime-zaim.ru
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- LIME Zaim is a Russian online microfinance company (top-10 in the Russian MFO market) offering installment, POS, and payday consumer loans to over 500,000 Russian borrowers through a fully digital 24/7 platform with automated 1–3 minute credit decisions.
- Ownership category
- akta.pro rank
LIME Zaim industry classification
Industry- Product category
- Consumer Lending (Microfinance)
- NAICS
- Sales Financing (52222)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)
- akta.pro secondary industries
- Merchant-Integrated BNPL (Online Checkout) (FSAKACAA), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
Keywords
Where LIME Zaim is headquartered
LocationHeadquarters
- HQ city
- Novosibirsk
- HQ country
- Russia
- HQ region
- Europe
Offices3 records
Markets served
LIME Zaim 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: Revenue generated from interest on installment loans (up to 100,000 rubles, up to 1 year), PDL loans, and POS loans. First loans offered free to new customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | First-time borrower - free loan |
| Transaction based/ take rate | Pay-as-you-go | Standard installment loans |
| Transaction based/ take rate | Pay-as-you-go | Secured loans (car collateral) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
LIME Zaim product offering
Product offeringCore offering
LIME Zaim (МФК «Лайм-Займ») is a Russian online microfinance company that provides consumer lending products including installment loans (up to 100,000 rubles for up to 52 weeks), short-term payday/microloans (PDL), and point-of-sale (POS) financing, all accessible 24/7 via a fully automated online platform. The company also offers vehicle-secured loans (up to 500,000 rubles for consumers and up to 5 million rubles for individual entrepreneurs) through its Caranga brand. Applications are processed with automated decisioning in approximately 1-3 minutes, with first loans up to 20,000 rubles offered interest-free for up to 40 days.
Product overview
МФК «Лайм-Займ» operates as an online consumer lending platform offering three principal product lines: Installment loans ( суммы до 100 тысяч рублей сроком до года), PDL (payday/microloans) for short-term needs, and POS (point-of-sale) financing. The company also offers a secured auto-loan sub-brand through the Caranga platform (ООО МКК «Каранга»), providing vehicle-collateralized loans of up to 5 million rubles for individual entrepreneurs and 500,000 rubles for standard borrowers. A mobile application (iOS/Android) serves as the primary customer interface. All products are accessible entirely online with automated decisioning and round-the-clock availability.
Differentiator
Problem solved
Functional benefit
Products and services
- Installment Loans (Рассрочка)
Quantifiable outcome
- Decision in 1-3 minutes
- +1 more outcomes
Companies that use LIME Zaim
Customer profileSegments6 records
Ideal customer profiles4 records
LIME Zaim technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature1 record
LIME Zaim partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Gosuslugi (ESIA)coreIntegration with Russian government services portal for identity verification. Borrowers can authenticate through Gosuslugi to increase loan approval rate by 80%. Streamlines application process for verified users.
- T-Bank (Tinkoff)coreIntegration with Tinkoff Bank for identity verification via tinkoffid. Similar to Gosuslugi integration, enables faster verification and 80% boost to approval rates.
- Bank of RussiacoreRegulatory oversight body. Company is registered in Bank of Russia's microfinance organization registry. Subject to regulatory compliance and supervision.
- SRO МиР (Self-Regulatory Organization Mir)coreMember of self-regulatory organization of microfinance market. SRO registration number 77 000282 since December 31, 2015. Provides additional consumer protection framework.
- Contact SystemminorMoney transfer system available for loan disbursement and repayment through Contact system.
- QIWIminorElectronic wallet and payment system for loan disbursement and repayment via QIWI wallet.
- Caranga (ООО МКК Каранга)minorSecured lending partner for auto-collateralized loans. ООО МКК «Каранга» ИНН 5405060085. Handles vehicle-secured loan products up to 500,000 rubles.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
LIME Zaim competitors and assessment
Company assessmentBroad incumbents
- Klarna: Global BNPL and consumer credit platform operating at much larger scale. Comparable as a broad incumbent in online consumer point-of-sale financing, though operating in different geographies and a more mainstream credit segment.
Direct peers
- Moneyman: Leading Russian online MFO providing short-term and installment loans through automated scoring. Directly comparable as a top-tier Russian digital microfinance lender with similar product range.
- MoneyClick: Russian online MFO that, like LIME Zaim, offers PDL, installment, and POS loan products. Comparable in product breadth and digital distribution.
- Webbankir: Russian online microfinance company offering PDL and installment loans to consumers via a fully digital 24/7 platform. Closely comparable in product mix, customer segments, and digital-first delivery model.
- Zaymer: Russian online microfinance platform offering instant PDL loans and installment products via automated decisioning. Comparable in technology-driven, online-only consumer lending model.
- Migcredit: Russian MFO offering online installment and short-term loans. Comparable in serving Russian subprime consumers with digital loan products.
- OneClickMoney: Russian online microfinance lender offering automated short-term consumer loans. Comparable in technology-driven underwriting and consumer microfinance focus.
- Ezaem: Russian MFO specializing in online PDL and short-to-medium term consumer loans. Comparable in target customer (subprime digital borrowers) and pure-online distribution.
- Vivus (Russia): Russian online MFO providing fast PDL loans. Comparable in the subprime digital lending niche with similar GTM and product structure.
- Creditplus: Russian online microfinance company offering short-term and installment loans. Comparable in product focus and digital lending infrastructure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
LIME Zaim social profiles
Digital presenceLIME Zaim compliance and trust
Trust signalCompliance3 records
LIME Zaim financial estimates
Financial estimateRevenue estimate
Valuation estimate
LIME Zaim leadership team
Management profileNumber of profiles
LIME Zaim funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LIME Zaim 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 LIME Zaim
What does LIME Zaim do?
LIME Zaim (МФК «Лайм-Займ») is a Russian online microfinance company that provides consumer lending products including installment loans (up to 100,000 rubles for up to 52 weeks), short-term payday/microloans (PDL), and point-of-sale (POS) financing, all accessible 24/7 via a fully automated online platform. The company also offers vehicle-secured loans (up to 500,000 rubles for consumers and up to 5 million rubles for individual entrepreneurs) through its Caranga brand. Applications are processed with automated decisioning in approximately 1-3 minutes, with first loans up to 20,000 rubles offered interest-free for up to 40 days.
Is LIME Zaim a public or private company?
LIME Zaim is a private company. It is classified as unknown and is currently operating.
When was LIME Zaim founded?
LIME Zaim was founded in 2013. It employs 501 to 1,000 people.
Where is LIME Zaim based?
LIME Zaim is headquartered in Novosibirsk, Russia, in the Europe region.
How does LIME Zaim make money?
One revenue line is on record: consumer Lending.
Who are LIME Zaim's main competitors?
Klarna is listed as a broad incumbent. Direct peers are Moneyman, MoneyClick, Webbankir, Zaymer, Migcredit, OneClickMoney, Ezaem, Vivus (Russia) and Creditplus.
Does LIME Zaim have an API?
No public API is recorded for LIME Zaim.
What industry is LIME Zaim in?
LIME Zaim's product category is Consumer Lending (Microfinance). Its primary akta.pro industry code is FSAHAJAF, Direct Lending — Specialty Finance (Consumer/SME Lending Platforms), with a secondary code of FSAKACAA, Merchant-Integrated BNPL (Online Checkout). Its NAICS code is 52222 and its SIC code is 6199.