MILOAN

What MILOAN does

MILOAN (ТОВ «Мілоан») is a privately held Ukrainian online consumer microcredit company founded in 2016 and headquartered in Kyiv. It operates as a licensed financial institution under Certificate IK No. 176 issued by the National Commission for State Regulation of Financial Services Markets (Natskomfinposlug) on 14 July 2016. The company serves Ukrainian citizens aged 18 to 70 who need short-term credit, particularly those with limited access to traditional bank loans or poor credit history, offering first-time loans up to 20,000 UAH and repeat-customer loans up to 30,000 UAH with repayment terms of up to 360 days across up to 23 installments.

The core product is a fully digital, self-serve lending platform accessed via website (miloan.ua) and native iOS/Android applications. The technology stack integrates BankID electronic identification (PrivatBank BankID and National Bank of Ukraine BankID), photo-based identity verification, required geolocation data, and PCI DSS-compliant payment processing through Liqpay, Visa, and MasterCard. Onboarding to disbursement is positioned at under 20 minutes, with approval-to-funds transfer within 15 minutes. The platform has no physical branches; loan servicing is supplemented by a multi-channel repayment network including Privat24, PrivatBank terminals, A-Bank terminals, and Easypay terminals.

Miloan operates a product-led growth model with a usage-based revenue structure: daily interest on outstanding principal, one-time origination commissions as a percentage of loan amount, and recurring servicing commissions per billing period. Customer retention is driven by a loyalty bonus system that can cover up to 90% of interest and fees, individual promo codes, and a continuous cadence of seasonal promotional campaigns (e.g., Safari Gifts 2026 with a 200,000 UAH prize fund). The company is privately owned with no disclosed venture capital, private equity, or institutional investor involvement, and operates exclusively within the Ukrainian domestic market.

Name

MILOAN

Legal name

TOV "Miloan"

Website

https://miloan.ua

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

MILOAN is a privately held Ukrainian online consumer microcredit platform founded in 2016, serving Ukrainian adults aged 18–70 with short-term digital loans up to 30,000 UAH, disbursed via a self-serve website and mobile app with BankID-based onboarding.

Ownership category

akta.pro rank

Product category

Consumer Microcredit

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Online consumer lending
• Microcredit services
• Short-term personal loans
• Digital identity verification
• Online microfinance

Headquarters

HQ city

Київ

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, Infrastructure

Revenue model

1. Credit Interest Income: Daily interest charged on outstanding loan principal balance throughout the credit term. Interest is calculated on actual remaining loan balance, making early repayment cost-effective for customers.
2. Loan Origination Commission: One-time commission charged at loan disbursement, calculated as percentage of loan principal amount.
3. Credit Servicing Commission: Recurring commission charged each billing period (except the last one) throughout the credit term for account maintenance and servicing.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels4 records

Core offering

Miloan operates a fully digital consumer microcredit platform that issues short-term cash loans to Ukrainian citizens aged 18-70. Customers apply online via the website or mobile app, verify identity through BankID or photo identification, and receive funds disbursed to their bank card within approximately 15 minutes of approval. Loan amounts range from 1,000 to 20,000 UAH for first-time borrowers (up to 30,000 UAH for repeat customers) with repayment terms up to 360 days across 23 installments.

Product overview

MILOAN is a Ukrainian online lending platform offering consumer microcredit services. The core product is an online credit service that provides instant cash loans to Ukrainian citizens. The platform operates as a single unified product complemented by several integrated modules including a mobile application, personal account, digital identity verification (BankID and photo identification), geolocation verification, bonus loyalty system, and promotional code discounts. Loan amounts range from 1,000 to 20,000 UAH for first-time borrowers, increasing to 30,000 UAH for repeat customers, with repayment terms up to 360 days.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Credit Service Consumer microcredit service offering short-term cash loans of 1,000 to 20,000 UAH to first-time Ukrainian borrowers and up to 30,000 UAH to repeat customers, with repayment terms up to 360 days across 23 installments. Application is completed online with digital identity verification and funds are disbursed to the borrower's bank card.
• Miloan Mobile Application Native mobile application available on Google Play and the iOS App Store, providing self-serve access to personal account management, loan applications, repayment functions, push notifications for payments and promotions, and exclusive app-only discounts on credit costs.

Quantifiable outcome

• Loan approval to fund transfer within 15 minutes
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• PrivatBankcoreTechnology or IntegrationIntegration with PrivatBank services including BankID identification (for faster credit decisions and higher loan amounts) and Privat24 payment channel for loan repayments. Liqpay payment service used for card processing.
• LiqpaycoreTechnology or IntegrationPayment service provider for processing bank card transactions including card verification and loan repayments. Part of PrivatBank ecosystem.
• VisacoreTechnology or IntegrationPayment network accepting any Visa-branded bank card issued by Ukrainian banks for loan disbursement and repayment.
• MasterCardcoreTechnology or IntegrationPayment network accepting any MasterCard-branded bank card issued by Ukrainian banks for loan disbursement and repayment.
• A-BankminorChannel Partner/ Reseller/ DistributorCash repayment via A-Bank self-service terminals throughout Ukraine. Minimum payment 20 UAH.
• EasypayminorChannel Partner/ Reseller/ DistributorPayment terminal network for loan repayment services.
• National Bank of Ukraine (BankID)coreTechnology or IntegrationElectronic identification system enabling identity verification for credit applications from clients of any Ukrainian bank.

Scale indicators4 records

Recent moves6 records

Expansion highlights10 records

Broad incumbents

• PrivatBank: Ukraine's largest commercial bank and a core infrastructure partner to Miloan (BankID, Liqpay, Privat24, terminals). Functions as a broad incumbent controlling key rails the microcredit ecosystem depends on, and could expand its own consumer credit products into Miloan's niche.

Direct peers

• Dinero: Ukrainian online microcredit platform offering instant consumer loans via website and mobile app. Directly comparable to Miloan as a domestic competitor with similar small-ticket, short-term installment product.
• Moneyveo: One of the largest Ukrainian online microcredit lenders, offering short-term installment loans to Ukrainian consumers via a fully digital, product-led funnel. Directly overlaps with Miloan in target customer (subprime/near-prime), loan size (small UAH amounts), and 24/7 self-serve delivery model.
• Alexcredit: Ukrainian online consumer lender providing small short-term loans to Ukrainian citizens with a digital application and rapid disbursement process. Comparable to Miloan in product structure, regulatory framework, and target borrower.
• CreditKasa: Ukrainian online microcredit lender targeting the same near-prime/subprime consumer segment with a digital-only application flow and short-term installment structure. Overlaps with Miloan on customer, ticket size, and regulatory category.
• Zecredit: Ukrainian online consumer lender offering short-term small loans through a fully digital channel. Comparable to Miloan on the consumer microcredit category, target borrower, and PLG-style delivery.
• Creditplus Ukraine: Ukrainian online microcredit service offering short-term installment loans to individuals via a digital onboarding process. Direct competitor in the same niche with similar license, ticket size, and customer profile.
• KF.LIFE (K.Finance / Kredito24 Ukraine): Ukrainian online microcredit platform offering short-term installment loans to Ukrainian consumers via digital onboarding. Comparable to Miloan on product, customer, and regulatory class, with a broader international parent providing additional scale.
• MyCredit (Miloan-style online microcredit): Ukrainian online consumer lending platform providing instant small-denomination loans to Ukrainian citizens through website and mobile app. Closely comparable to Miloan on customer segment, ticket size, and product-led origination flow.

Others

• NBU (National Bank of Ukraine): Central bank and regulator of the Ukrainian financial system that issues the BankID identity infrastructure Miloan uses for onboarding. Not a competitor, but a critical infrastructure/regulatory counterparty whose licensing and policy decisions directly shape Miloan's operating model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/llc-miloan

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 MILOAN