ShvydkoGroshi
ShvydkoGroshi is a Ukrainian non-bank financial company licensed by the National Bank of Ukraine, lending 500–100,000 UAH to consumer borrowers underserved by traditional banks via a mobile app, a website, and approximately 80 branches nationwide.
- Company typePrivate
- Founded2010
- HeadquartersKyiv, Ukraine
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What ShvydkoGroshi does
ShvydkoGroshi (ШвидкоГроші) is a Ukrainian non-bank financial company operated by LLC "Spozhyvchyi Tsentr" (ТОВ «Споживчий Центр»), headquartered at Saksahanskoho Street 133-A in Kyiv. Founded on November 11, 2010 and licensed as a financial company by the National Bank of Ukraine (license reissued 2024-03-07), the firm operates as part of the non-banking financial group ALTFINANCE and is registered in the State Register of Financial Institutions. The company serves Ukrainian citizens aged 18–70 with consumer microcredits and short-to-medium-term loans, targeting segments underserved by traditional banks: students, pensioners, military personnel, informal earners, and borrowers with poor or no credit history.
The product suite spans microloans (500–8,647 UAH, terms 154–217 days), unsecured consumer loans (8,648–30,000 UAH), and installment loans (3,000–100,000 UAH, terms up to 395 days), with daily interest rates of 0.01%–1% (promotional and standard tiers) and maximum APRs ranging from 895% to 11,017% depending on product. Underwriting is automated (15–20 minute decisions for first-time applicants, 5–10 minutes for repeat customers) and depends on integrations with the Ukrainian Credit Bureau for credit history checks and BankID NBU for government-verified remote identity. Distribution combines a self-service website (sgroshi.com.ua), an iOS/Android mobile application (4.7/5 rating, biometric login), and a nationwide network of approximately 80 physical branches, with repayment accessible via bank transfer and self-service terminals.
The business model is grounded in consumer lending interest, loan origination commissions (5%–20%), and servicing fees (2–3 consecutive periods at 5%–9%). Risk management is supported by an ecosystem of 11 NBU-licensed collection agency partners onboarded in 2021. Ownership is held by three Ukrainian ultimate beneficial owners—Aisautov Amir Minzhasarovych, Pavlov Ruslan Oleksandrovych, and Kiselova Natalia Serhiivna—with operations directed by Kholod Oleksandr Volodymyrovych. Headcount is reported at 501–1,000 employees, and the company is not publicly traded with no disclosed funding rounds.
ShvydkoGroshi firmographics
Firmographics- Name
- ShvydkoGroshi
- Legal name
- ТОВАРИСТВО З ОБМЕЖЕНОЮ ВІДПОВІДАЛЬНІСТЮ "СПОЖИВЧИЙ ЦЕНТР" (Tovaristvo z Obmezhenoju Vidpovidalnistju "Spozhyvchyi Tsentr")
- Website
- https://sgroshi.com.ua
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- ShvydkoGroshi is a Ukrainian non-bank financial company licensed by the National Bank of Ukraine, lending 500–100,000 UAH to consumer borrowers underserved by traditional banks via a mobile app, a website, and approximately 80 branches nationwide.
- Ownership category
- akta.pro rank
ShvydkoGroshi industry classification
Industry- Product category
- Consumer Microfinance
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
- akta.pro secondary industries
- Single-Payment Payday Loans (FSAKAMAA), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where ShvydkoGroshi is headquartered
LocationHeadquarters
- HQ city
- Kyiv
- HQ country
- Ukraine
- HQ region
- Europe
Offices7 records
Markets served
ShvydkoGroshi business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Consumer Lending Interest: Primary revenue stream from interest charged on microcredits and consumer loans. Interest rates vary by product: 0.01% per day (promotional), 0.5% per day, 0.99% per day, and 1% per day (standard). Annual percentage rates range from 895% to 11,017% depending on product and term.
- Loan Origination Fees: Commission fees charged for loan origination, ranging from 5% to 20% depending on loan amount and payment frequency. These are calculated on the principal amount and included in the payment schedule.
- Servicing Fees: Credit debt servicing commissions charged in periodic intervals (2-3 consecutive periods after the first), typically 5-9% of loan amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Microcredit 'Гроші до зарплати' - Short-term loans 500-8647 UAH |
| Usage-based | Pay-as-you-go | Consumer Credit 'Гроші до зарплати (без застави)' - 8648-30000 UAH |
| Usage-based | Pay-as-you-go | Installment Credit 'Гроші в розстрочку (ставка 1%)' - 3000-50000 UAH |
| Usage-based | Pay-as-you-go | Installment Credit 'Гроші в розстрочку (ставка 0.5%)' - 30000-100000 UAH |
| Usage-based | Pay-as-you-go | Promotional 'Кредит -0.01%' - 500-30000 UAH |
| Usage-based | Pay-as-you-go | Promotional 'Гроші до зарплати - промо' - 500-8647 UAH |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
ShvydkoGroshi product offering
Product offeringCore offering
ShvydkoGroshi is a Ukrainian non-bank microfinance organization that issues short-term microcredits and installment consumer loans ranging from 500 UAH to 100,000 UAH, repayable from 63 to 395 days at daily interest rates of 0.01%, 0.5%, 0.99%, or 1%, depending on the product. Loans are approved within 15–20 minutes for new customers and 5–10 minutes for repeat borrowers using only a passport and tax ID, with no collateral or guarantors required. The service is delivered through a website, a biometric-authentication mobile app, and approximately 80 physical branches across Ukraine.
Product overview
ShvydkoGroshi (ШвидкоГроші) is a Ukrainian non-bank financial company (MFO) operated by LLC 'Spоживчий Центр', offering a suite of consumer credit products under its brand. The product portfolio is organized around payday loans (Гроші до зарплати) and installment loans (Гроші в розстрочку), with both standard and promotional variants. Standard products include microloans (500–8,647 UAH) and unsecured consumer loans (8,648–30,000 UAH) with daily rates of 1%/0.5% and terms of 63–217 days. Installment products range from 3,000 to 100,000 UAH with terms up to 395 days. Promotional variants offer reduced introductory rates (0.99% or 0.01% per day) for limited periods. The service is delivered through three channels: an online platform (website), a mobile app (Android/iOS), and a network of approximately 80 physical branches across Ukraine. Customers can obtain loans, make repayments, and manage accounts through any channel, with funds transferred to a bank card or disbursed as cash at branches.
Differentiator
Problem solved
Functional benefit
Products and services
- Hroshi do zarplaty microcredit (Гроші до зарплати мікрокредит) Short-term unsecured microloan from 500 to 8,647 UAH, repayable over 154–217 days, with a daily interest rate of 1% (Standard) dropping to 0.5% (Econom) after the initial periods. Targets first-time borrowers or those seeking small amounts and requires only passport and tax ID, with no collateral.
- Hroshi do zarplaty consumer credit (Гроші до зарплати споживчий кредит без застави) Unsecured consumer microloan from 8,648 to 30,000 UAH, with terms of 168–217 days and daily interest of 1% (Standard) reducing to 0.5% (Econom). Designed for repeat customers and larger borrowing needs.
- Hroshi do zarplaty promo (Гроші до зарплати – промо) Promotional variant of the microcredit and consumer credit products with a discounted daily rate of 0.99% for all periods. Available for amounts of 500–8,647 UAH (micro) or 8,648–30,000 UAH (consumer) with a fixed 168-day term and maximum APR of 2,998%.
- Credit -0.01% (Кредит -0,01% акційний) Promotional loan with an introductory daily rate of 0.01% during the initial period, after which the Standard rate of 1% per day applies. Available for 500–8,647 UAH (micro) or 8,648–30,000 UAH (consumer) over 63–70 days, with maximum APR of 1,982%.
- Hroshi v rozstrochku 1% (Гроші в розстрочку, ставка 1% за день) Consumer installment loan with a 1% daily interest rate, loan amounts from 3,000 to 50,000 UAH, and terms of 98–213 days. Repaid in equal installments every 14 days or monthly. Commission of 15–20% of the loan amount applies; maximum APR is 11,016.79%.
- Hroshi v rozstrochku 0.5% (Гроші в розстрочку, ставка 0,5% за день) Longer-term consumer installment loan with a lower 0.5% daily interest rate, amounts of 30,000–100,000 UAH, and terms of 212–395 days. Repaid monthly. Commission of 15% of loan amount applies; maximum APR is 895%.
- ShvydkoGroshi Mobile Application (Мобільний додаток ШвидкоГроші) Native mobile application for Android and iOS enabling loan applications, biometric (fingerprint/face) login, in-app loan top-ups from 1,000 UAH, balance and repayment tracking, and instant closure statement generation. QR code and direct app-store download links are provided.
- Online personal customer account (Особистий кабінет) Web-based self-service portal allowing borrowers to view loan balances, repayment schedules, make online payments, track account status, and manage their entire loan without visiting a branch.
Companies that use ShvydkoGroshi
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles4 records
ShvydkoGroshi technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
ShvydkoGroshi partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered minor and core.
- Collection Company FAKTOR (ТОВ 'КОЛЕКТОРСЬКА КОМПАНІЯ ФАКТОР')minorCollection agency partner. Registered in NBU Registry #58 since December 10, 2021. Contact: 044-222-01-50, ccfactor.com. Director: Mykhailov Andriy Yuriyovych.
- DEBTFORT Ukraine (ТОВ 'ДЕБТФОРТ УКРАЇНА')minorCollection agency partner. Registered in NBU Registry #51 since October 29, 2021. Contact: 0800300316, debtfort.com. Director: Kozyreva Olha Volodymyrivna.
- FINCOLLECT Ukraine (ТОВ 'ФІНКОЛЛЕКТ УКРАЇНА')minorCollection agency partner. Registered in NBU Registry #38 since October 18, 2021. Contact: +380737258250, fincollect.com.ua. Director: Hutsul Olena Vasylivna.
- PRIMOKOLEKT (ТОВ 'ПРІМОКОЛЕКТ')minorCollection agency partner for debt recovery. Registered in NBU Registry #30 since October 1, 2021. Contact: 0 800 200 920, primocollect.com.ua. Director: Khrobak Maryan Romanovych.
- European Agency for Debt Recovery (ТОВ 'ЄАПБ')minorCollection agency partner. Registered in NBU Registry #28 since October 1, 2021. Contact: +380734998595, cc.eadr.com.ua. Director: Mrykh Ihor Petrovych.
- Collection Company KARMA (ТОВ 'КК КАРМА')minorCollection agency partner. Registered in NBU Registry #25 since October 1, 2021. Contact: 0-800-75-10-41, credit911.net.ua. Director: Fitsay Yevhen Viktorovych.
- CreditExpress Ukraine LLC (ТОВ 'КРЕДИТЕКСПРЕС ЮКРЕЙН')minorCollection agency partner. Registered in NBU Registry #50 since October 1, 2021. Contact: 0800301027, creditexpress.com. Director: Chernyshchuk Olha Leonidivna.
- UKRBORG (ТОВ 'УКРБОРГ')minorCollection agency partner. Registered in NBU Registry #27 since October 1, 2021. Contact: +380443777730, ukrborg.ua. Director: Matskevych Andriy Viktorovych.
- Ukrainian Collection Agency (ТОВ 'УКРКОЛЕКТ')minorFirst of 11 registered collection agencies partnered with ShvydkoGroshi for debt recovery services. Registered in NBU Collection Companies Registry #5 since September 3, 2021. Contact: +380737375962, ukrcollect.com.ua. Director: Prykhod Ihor Mykhailovych.
- Debt Collection Service (ТОВ 'СЛУЖБА ВС')minorCollection agency partner. Registered in NBU Registry #4 since September 3, 2021. Contact: +380730316553, svs-collect.com.ua. Director: Pyskun Olha Mykolaivna.
- FINTECH-KOLEKT (ТОВ 'ФТ-КОЛЕКТ')minorCollection agency partner. Registered in NBU Registry #3 since September 3, 2021. Contact: 073-173-37-26, fintech-collect.com.ua. Director: Mazuryk Viktoriya Stepanivna.
- Ukrainian Credit BureaucorePartnership with Ukrainian Credit Bureau enabling credit history checks for loan approvals and reporting customer repayment behavior to help customers improve their credit ratings.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
ShvydkoGroshi competitors and assessment
Company assessmentDirect peers
- Dinero: Ukrainian MFO providing online microcredits and installment consumer loans with similar high-frequency pricing and instant funding. Operates as a direct competitor in the same regulatory and demographic space.
- Miloan: Ukrainian microfinance company providing online payday-style consumer loans with comparable ticket sizes, terms, and instant disbursement. Closely overlaps with ShvydkoGroshi's microcredit product line.
- MyCredit: Ukrainian online microfinance lender offering short-term consumer loans to individuals with minimal documentation. Highly comparable product set, distribution (online-led), and target customer base to ShvydkoGroshi.
- Alexcredit: Ukrainian MFO offering 24/7 online consumer microloans via website and mobile app with similar fast-decision underwriting. Direct competitor targeting the same underbanked Ukrainian consumer demographic.
- Moneyveo: One of the largest Ukrainian online MFOs, offering small-ticket short-term consumer loans with similar daily-rate pricing and instant decisioning. Directly competes with ShvydkoGroshi for the same subprime consumer segment in Ukraine.
- Tengo: Ukrainian online microfinance company offering short-term consumer loans to underserved borrowers, including those with poor credit history. Comparable model, technology stack (online-first), and target segment.
- CreditKasa: Ukrainian MFO offering small-ticket consumer loans with online application and fast approval. Overlaps directly with ShvydkoGroshi's microcredit and short-term installment products.
Regional players
- Cashpoint Ukraine: Ukrainian consumer credit provider offering both online and in-branch small-ticket loans. Comparable omnichannel model and microcredit product set, focused on the same domestic Ukrainian market.
Others
- NBU Collection Agencies Registry members (e.g., FAKTOR, UKRKOLLEKT): Collection agencies (including partners like FAKTOR and UKRKOLLEKT) registered with NBU that recover delinquent loans on behalf of Ukrainian MFOs including ShvydkoGroshi. Adjacent ecosystem participants that interact with the company's portfolio.
Broad incumbents
- PrivatBank: Ukraine's largest commercial bank, offering consumer credit products including installment and card loans to a much broader customer base. A broad incumbent whose bank-credit offering is the alternative ShvydkoGroshi positions itself against.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ShvydkoGroshi social profiles
Digital presenceShvydkoGroshi financial estimates
Financial estimateRevenue estimate
Valuation estimate
ShvydkoGroshi leadership team
Management profileNumber of profiles
Profiles7 records
ShvydkoGroshi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ShvydkoGroshi 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 ShvydkoGroshi
What does ShvydkoGroshi do?
ShvydkoGroshi is a Ukrainian non-bank microfinance organization that issues short-term microcredits and installment consumer loans ranging from 500 UAH to 100,000 UAH, repayable from 63 to 395 days at daily interest rates of 0.01%, 0.5%, 0.99%, or 1%, depending on the product. Loans are approved within 15–20 minutes for new customers and 5–10 minutes for repeat borrowers using only a passport and tax ID, with no collateral or guarantors required. The service is delivered through a website, a biometric-authentication mobile app, and approximately 80 physical branches across Ukraine.
Is ShvydkoGroshi a public or private company?
ShvydkoGroshi is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ShvydkoGroshi founded?
ShvydkoGroshi was founded in 2010. It employs 501 to 1,000 people.
Where is ShvydkoGroshi based?
ShvydkoGroshi is headquartered in Kyiv, Ukraine, in the Europe region.
How does ShvydkoGroshi make money?
Three revenue lines are on record. Consumer Lending Interest is the primary driver. The others are loan Origination Fees and servicing Fees.
Who are ShvydkoGroshi's main competitors?
Direct peers on record are Dinero, Miloan, MyCredit, Alexcredit, Moneyveo, Tengo and CreditKasa. Cashpoint Ukraine is listed as a regional player. NBU Collection Agencies Registry members (e.g., FAKTOR, UKRKOLLEKT) is listed as an others. PrivatBank is listed as a broad incumbent.
Does ShvydkoGroshi have an API?
No public API is recorded for ShvydkoGroshi.
What industry is ShvydkoGroshi in?
ShvydkoGroshi's product category is Consumer Microfinance. Its primary akta.pro industry code is FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday), with a secondary code of FSAKAMAA, Single-Payment Payday Loans. Its NAICS code is 5222 and its SIC code is 6141.