MicroCredit

What MicroCredit does

MicroCredit (ТОВ «Мікрокредит») is a Ukrainian non-bank microfinance institution headquartered in Kyiv, founded in 2011 and operating under an NBU license issued in July 2024. The company extends unsecured consumer loans to individual borrowers across Ukraine through a network of 31 branches in 29 cities, supplemented by online application intake and a home-delivery service. Its core product set consists of two installment-credit offerings, Споживчий (Consumer Credit) for terms up to 12 months with bi-monthly repayment aligned to salary cycles, and MicroCredit (short-term microcredit) with weekly installments, both priced at a daily rate of 0.939% (APR of approximately 21,839%); targeted purpose loans for weddings and home repairs extend the product surface. Loan decisions are processed through an automated scoring system that approves applications in 2-3 minutes with no collateral or guarantors required, and approved funds are disbursed same-day to any Ukrainian bank card or in cash at branches. The company serves mass-retail consumers excluded from traditional bank credit due to documentation or collateral requirements, with a cumulative customer base of approximately 150,000 over a 12-year operating history, and a loyalty program offering up to 40% discounts to repeat borrowers.

Revenue is generated through interest and fees on installment loan repayments under a unit-pricing model; financial leasing for legal entities and individuals is also offered but has been temporarily suspended. Since July 2022 the company has operated in a limited mode under martial law in Ukraine, suspending online lending and financial leasing while continuing cash lending at physical branches. The go-to-market is direct-to-consumer with no intermediaries, supported by a Ukrainian-language website (with a Russian-language option), social media presence, and SEO-oriented content marketing for use cases such as weddings and renovations. The company publishes financial reports and disclosure documents as required by the National Bank of Ukraine, but does not publicly disclose revenue figures.

Name

MicroCredit

Legal name

Товариство з обмеженою відповідальністю «Мікрокредит»

Website

https://microcredit.ua

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

251–500 employees

Short description

MicroCredit is a Kyiv-based Ukrainian non-bank microfinance institution that extends unsecured consumer loans (weekly or bi-monthly installments) to individual borrowers across 29 cities via 31 branches, online applications, and home-delivery service. It serves mass-retail consumers with no collateral required and operates under an NBU license.

Ownership category

akta.pro rank

Product category

Consumer Microfinance

NAICS

Consumer Lending (522291), Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141), Finance Lessors (6172)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industry

Subprime Installment Loans (Non-Prime Personal Loans) (FSAKAOAA)

Keywords

• Consumer microloans
• Unsecured personal loans
• Microfinance services
• Short-term lending
• Financial leasing

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer Credit (Споживчий кредит): Installment loan product with weekly payment schedule, terms up to 1 year. Customers make payments tied to their regular income schedule (bi-monthly payments). Interest and principal collected through scheduled installments.
2. MicroCredit Loan (Мікрокредит): Short-term credit product with weekly payment schedule. Designed for customers who prefer immediate access to funds with minimal requirements and maximum benefits.
3. Financial Leasing: Financial leasing services for legal entities and individuals. Currently temporarily suspended due to operational restrictions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

MicroCredit is a Ukrainian non-bank microfinance institution that provides unsecured personal loans and microcredits to individual consumers without requiring collateral or guarantors. Its core products are the Споживчий (Consumer Credit) loan with terms up to one year and the MicroCredit short-term microloan with weekly repayments, complemented by targeted occasion loans (wedding, home repair) and financial leasing. Loans are disbursed on the same day via cash at branches, transfer to any Ukrainian bank card, or home delivery by a consultant.

Product overview

MicroCredit is a Ukrainian non-bank financial institution offering a portfolio of credit products centered around two core offerings: the СПОЖИВЧИЙ (Consumer Credit) for medium-term loans up to 1 year without collateral, and the MicroCredit (Microloan) for short-term credit with weekly repayment. The company extends its portfolio with targeted purpose loans including home repair and wedding financing, as well as financial leasing services for both legal entities and individuals. All products feature flexible application channels (online, in-branch, or home delivery), transparent terms without hidden fees, and are backed by a 12-year market presence with 31 branch offices across 29 cities serving over 150,000 customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Кредит СПОЖИВЧИЙ (Consumer Credit) Unsecured consumer loan product for individual borrowers, allowing credit up to one year with flexible bi-monthly payment schedule aligned to the customer's income cycle. Requires no collateral or guarantors.
• Кредит MicroCredit (Microcredit) Short-term microcredit product with weekly repayment installments, designed for quick access to funds with minimal requirements and maximum benefits, especially for repeat customers.
• Кредит на весілля (Wedding Loan) Targeted loan product for individual consumers to cover wedding-related expenses (banquet, attire, photography, honeymoon), with quick approval, no documentation or guarantors, and same-day fund transfer to a bank card.
• Кредит на ремонт (Home Repair Loan) Specialized loan product for individual consumers to finance planned or unexpected home renovation and repair expenses, offering quick automated approval and funds available online, at a branch, or via home delivery.
• Фінансовий лізинг (Financial Leasing) Financial leasing product for legal entities and individuals, with published sample contracts and internal leasing rules. Services currently offered in limited mode and temporarily suspended in online format.

Quantifiable outcome

• Application processing time: 2-3 minutes
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators4 records

Recent moves4 records

Expansion highlights3 records

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/microcreditcomua
• LinkedInlinkedin.com/company/microcredit

Compliance2 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 MicroCredit