MicroCash

What MicroCash does

MicroCash is an online microcredit platform operated by TOV Fintarget (Fintarget LLC), a registered Ukrainian financial institution headquartered in Kyiv. Founded in 2018 and operating under National Bank of Ukraine License No. 1490 (reissued 18.03.2024), the company offers short-term consumer loans to Ukrainian citizens aged 18–65, ranging from 500 to 15,000 UAH over 90-day terms, with a 1% daily interest rate (7,250.89% APR) and a 5% issuance commission. Credit is exclusively available to Ukrainian citizens physically present in Ukraine at the time of disbursement, and the platform is single-geography (Ukraine-only).

The core product is a fully automated, 24/7 online lending service that issues credit decisions within 5 seconds and disburses funds to any Ukrainian bank card (Visa/Mastercard) within approximately 15 minutes of registration. The underlying technology stack is an AI-based credit decisioning engine that operates with no human verifiers, processing structured applicant data (passport, IPN/tax code, mobile number, bank card) to assess creditworthiness. The platform supports a credit calculator, a personal account for loan management, and an affiliate/webmaster program for traffic acquisition. Over 1,000,000 applications have been processed since inception, with a 70% repeat-customer rate, a 4.7/5 customer rating, and a tiered loyalty program offering progressive rate reductions and elevated credit limits for returning borrowers.

The business model is direct-to-consumer, generating revenue from interest income on outstanding loan balances (1% per day on remaining balance) and a 5% upfront commission on principal at issuance. Loans are repaid in three installments over 90 days. MicroCash employs 11–50 people, operates with no physical branches, and distributes through its owned website (microcash.com.ua), organic and paid digital channels, content marketing on its blog, and an affiliate partner program that supports postback and API-based integrations.

Name

MicroCash

Legal name

ТОВ "Фінтаргет"

Website

https://microcash.com.ua

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

MicroCash is a Ukrainian online microcredit platform offering short-term, 100% automated consumer loans (500–15,000 UAH, 90 days) to Ukrainian citizens, using AI-based credit decisioning with 24/7 origination and Visa/Mastercard disbursement.

Ownership category

akta.pro rank

Product category

Online Consumer Microfinance

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Short-Term Loan Servicing & Collections (Payday/Title) (FSAKAMAO)

akta.pro secondary industry

Microloans & Working Capital Loans (FSAKAGAA)

Keywords

• Online microcredit
• Short-term consumer loans
• Microfinance services
• Automated lending platform
• Payday loans

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue from 1% daily interest on issued loans (7250.89% APR). Loans issued for 90-day terms with repayment in installments every 30 days. Interest calculated on remaining balance.
2. Loan Issuance Commission: 5% commission charged on the principal loan amount at issuance

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MicroCash is an online microfinance service operated under TOV Fintarget (Financial Company) that issues short-term consumer loans to Ukrainian citizens in amounts ranging from 500 to 15,000 UAH for 90-day terms. The platform runs 24/7 with 100% AI-based automated credit decisioning (no human verifiers), delivering approval decisions within 5 seconds and disbursing funds to any Ukrainian bank card within 5 to 15 minutes. Customers need only a passport, tax ID (IPN), and a valid bank card to apply.

Product overview

MicroCash is an online microcredit platform operated by TOV Fintarget (UKR MFI), offering short-term consumer loans exclusively to Ukrainian citizens. The core product is a fully automated online microcredit service that processes applications 24/7 without human verification. Available amounts range from 500 to 15,000 UAH with 90-day terms, priced at 1% daily interest (7,250.89% APR). The platform includes a credit calculator for transparent cost estimation, a personal account for loan management and repayment, and an affiliate program for partner-driven lead generation. The service is accessible via web and emphasizes speed (decisions in seconds, funds in minutes) and complete automation.

Differentiator

Problem solved

Functional benefit

Products and services

• MicroCash Online Microcredit 24/7 online short-term consumer loan product offering 500-15,000 UAH (up to 5,000 UAH for first-time borrowers, up to 15,000 UAH for returning customers) over a 90-day term, with daily interest of 1% (7,250.89% APR) and a 5% issuance commission. Funds are disbursed directly to the borrower's Ukrainian Visa or Mastercard. Targeted at Ukrainian citizens aged 18-65 needing fast access to small loans for unexpected expenses.

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• VisacoreOthersPayment network partner for card transactions. MicroCash accepts Visa cards for loan disbursements and repayments.
• MastercardcoreOthersPayment network partner for card transactions. MicroCash accepts Mastercard cards for loan disbursements and repayments.
• Ukrainian Banks (unspecified)coreOthersLoans issued to cards of any Ukrainian bank. Integration with Ukrainian banking system for fund transfers.
• Webmaster/Affiliate PartnersminorGTM or Marketing PartnerPartners who drive traffic to MicroCash platform. Supports postback and API integrations. Monthly settlements with real-time statistics. Processes traffic from various sources including push, pop-up, and email lists. Contract-based relationships with electronic document exchange.

Scale indicators8 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• ShvidkoGroshi: Online microcredit service in Ukraine offering fast short-term loans via web and mobile. Comparable to MicroCash on speed-of-disbursement, automated approval, and reliance on repeat-borrower economics.
• AlexCredit: Online microfinance institution in Ukraine offering short-term consumer loans via a fully automated decisioning process. Comparable to MicroCash in product structure, regulatory regime (NBU licensed), and target segment.
• Miloan: Online microcredit provider in Ukraine offering automated, 24/7 short-term consumer loans. Direct peer in terms of NBU regulation, borrower profile, and instant-disbursement value proposition.
• Crezu: Ukrainian loan-aggregation and direct-lending platform connecting underbanked consumers with short-term credit offers. Overlaps with MicroCash on the same underbanked Ukrainian borrower segment and small-ticket short-term loan product.
• MyCredit: Ukrainian online microcredit platform providing small, short-term loans to consumers with automated decisioning. Direct peer with similar pricing model, ticket sizes, and self-service digital channel.
• Moneyveo: One of the largest online microcredit providers in Ukraine, offering short-term consumer loans via an automated, fully online process. Closely comparable to MicroCash in product (small-ticket, short-duration microloans), target borrower (underbanked Ukrainian consumers), and digital-only delivery model.
• CreditKasa: Ukrainian online microloan company providing 24/7 automated short-term consumer credit to Ukrainian citizens. Direct competitor with near-identical customer base, ticket sizes, and instant-decision digital onboarding flow.
• Cashpoint Ukraine: Ukrainian microcredit company offering online short-term consumer loans through a digital application flow. Comparable to MicroCash on product, regulatory framework, and repeat-borrower targeting.

Emerging players

• Lviv Credit: Smaller Ukrainian online microloan operator offering automated short-term consumer credit. Comparable to MicroCash on business model and target borrower, though typically with smaller scale and narrower geographic footprint.

Regional players

• Wizzcash: UK-based short-term/payday online lender serving UK consumers. Comparable to MicroCash on automated short-term high-APR small-ticket lending model, though it operates in a different geography with its own regulatory regime.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MicrocashComUa
• LinkedInlinkedin.com/company/microcash-com-ua

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 MicroCash