What Miloan LLC does

Miloan LLC (ТОВ «Мілоан») is a privately held Ukrainian online consumer lending company founded in 2016 and headquartered in Kyiv at Bahohutivska Street, building 17-21. It serves Ukrainian citizens aged 18-70 with short-term cash loans of 1,000 to 25,000 UAH (up to 20,000 UAH for first-time borrowers and up to 30,000 UAH for repeat borrowers), repayable in flexible installments over up to 360 days. The service is positioned for borrowers who need fast liquidity, including those with imperfect credit histories who may not qualify at traditional banks. Loan applications are completed online via miloan.ua or native iOS/Android mobile apps, with identification handled through BankID (NBU or PrivatBank) or photo-based verification, electronic contract signing, and automated decisioning that disburses funds to a borrower's bank card within approximately 20 minutes.

The underlying platform is built around digital identity verification, electronic contract execution with full legal force, PCI DSS-compliant payment processing via Liqpay on Visa and MasterCard rails, and a personal-account dashboard for loan management. Offline cash repayment is supported through an unusually broad terminal network including PrivatBank, EasyPay, and A-Bank self-service terminals, and online repayment is supported via Privat24 and card-on-file flows, with customer communication additionally handled through a Telegram bot. The company holds Certificate IK No. 176 issued by Natskomfinposlug on July 14, 2016, formally registering it as a Ukrainian financial institution.

Miloan monetizes through a combination of recurring interest on outstanding loan balances (accrued daily), a one-time origination commission calculated as a percentage of the loan principal, a recurring servicing commission charged each calculation period except the last, and promotional/loyalty activity that drives repeat lending. Distribution is fully digital and self-serve for origination, augmented by an offline terminal network for repayment. Customer acquisition is supported by a marketing mix of seasonal prize-funded campaigns (e.g., Safari Gifts 2026 with a 200,000 UAH prize fund), individual promo codes distributed by email, and a bonus-based loyalty program in which bonuses can offset up to 90% of interest, commissions, and penalties. The company employs 11-50 people, is privately held with no disclosed parent or institutional investors, and is subject to Ukrainian financial-services regulation.

Name

Miloan LLC

Legal name

ТОВ «Мілоан»

Website

https://miloan.ua

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Miloan LLC (ТОВ «Мілоан») is a privately held Ukrainian online consumer lender founded in 2016, offering fully digital short-term cash loans of up to 25,000 UAH (30,000 UAH for repeat borrowers) to Ukrainian citizens aged 18-70 via web and mobile app, with 20-minute disbursement and offline cash repayment through terminal networks.

Ownership category

akta.pro rank

Product category

Online Consumer Lending (Microcredit)

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industry

Microloans & Working Capital Loans (FSAKAGAA)

Keywords

• Online consumer lending
• Microcredit services
• Fintech lending
• Short-term loans
• Digital microfinance

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, Operations, Marketing or Sales, Personnel, Infrastructure

Revenue model

1. Loan Interest Income: Interest income from short-term consumer loans. Interest accrues daily on actual loan principal balance. Rates not publicly disclosed.
2. Loan Origination Commission: One-time commission charged when loan is issued, calculated as percentage of loan principal amount
3. Loan Servicing Commission: Periodic commission charged during entire loan term for each calculation period except the last one
4. Promotional Services: Promotional campaigns generating customer engagement and repeat lending

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Miloan LLC is a Ukrainian online microcredit platform that provides short-term consumer loans to Ukrainian citizens aged 18–70. Borrowers apply online via website or mobile app, complete identity verification through BankID or photo, electronically sign contracts, and receive funds on their bank card within 20 minutes. First-time borrowers can access up to 20,000 UAH; repeat borrowers up to 30,000 UAH, with terms up to 360 days and flexible installment repayment.

Product overview

Miloan LLC operates a unified online lending platform (TOV 'Мілоан') offering instant cash loans to Ukrainian consumers. The core product is the Miloan Online Credit service, supplemented by native mobile applications for iOS and Android, a personal account dashboard, and multiple identity verification methods including Photo Identification and BankID integration. The company also operates a Bonus System loyalty program. All products are accessible through the miloan.ua web platform, with mobile apps available via Google Play and App Store, enabling complete loan application, disbursement, and repayment cycles.

Differentiator

Problem solved

Functional benefit

Products and services

• Miloan Online Credit Online consumer microcredit service providing instant cash loans from 1,000 to 25,000 UAH to Ukrainian citizens aged 18–70. Fully digital application with loan disbursement to bank card within 20 minutes. First-time borrowers can access up to 20,000 UAH; repeat customers up to 30,000 UAH. Maximum loan term 360 days with flexible installment repayment.
• Miloan Mobile App Native mobile application for iOS and Android providing fast secure login, unique discounts, push notifications for payments and promotions, and full loan management functionality for Miloan customers.

Quantifiable outcome

• Loan approval and disbursement within 20 minutes
• +2 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

Integration9 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Liqpay (PrivatBank)coreTechnology or Integration · 1 January 2016Certified payment service used for processing loan disbursements and repayments. Provides secure payment gateway meeting PCI DSS requirements for card transaction processing.
• BankID NBUcoreTechnology or Integration · 1 January 2016National Bank of Ukraine electronic identification system enabling fast digital identity verification for loan applicants.
• BankID PrivatBank (PrivatBank)coreTechnology or Integration · 1 January 2016PrivatBank's BankID system providing customer identification. Using PrivatBank BankID increases chances of higher loan amount and faster approval.
• VisacoreTechnology or Integration · 1 January 2016Payment network partner for bank card transactions. Customers can use Visa cards for loan disbursements and repayments.
• MasterCardcoreTechnology or Integration · 1 January 2016Payment network partner for bank card transactions. Customers can use MasterCard cards for loan disbursements and repayments.
• PrivatBank TerminalscoreChannel Partner/ Reseller/ Distributor · 1 January 2016Extensive network of PrivatBank self-service terminals across Ukraine enabling cash repayment of loans without card or personal account.
• EasyPay TerminalscoreChannel Partner/ Reseller/ Distributor · 1 January 2016Electronic payment terminal network providing additional cash repayment option for Miloan loans across Ukraine.
• A-Bank TerminalsminorChannel Partner/ Reseller/ Distributor · 1 January 2016A-Bank self-service terminal network offering cash loan repayment option with minimum payment of 20 UAH.
• Privat24coreChannel Partner/ Reseller/ Distributor · 1 January 2016PrivatBank online banking application allowing Miloan loan repayment directly through user's Privat24 account.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• PrivatBank: Ukraine's largest commercial bank and Miloan's most important infrastructure partner (BankID, Liqpay, Privat24, terminals). Not a direct competitor in subprime short-term online lending, but shapes Miloan's distribution rails, identity verification, and the broader competitive ceiling on consumer credit pricing.

Others

• EasyPay: Ukrainian payment terminal and online payment network serving as a repayment channel partner for Miloan. Comparable in the sense that it is part of Miloan's distribution infrastructure for cash loan repayment, but is a payment-services enabler rather than a lending competitor.

Direct peers

• Krain (Krain24): Ukrainian fintech providing short-term online loans to consumers. Overlaps with Miloan on target borrower, ticket size, term length, and fully automated digital application and disbursement flow.
• Moneyveo: One of Ukraine's largest online payday-style lenders offering short-term installment loans to consumers via fully digital onboarding. Closely comparable to Miloan on product (small-ticket, short-tenor installment credit), customer segment (subprime Ukrainian consumers), and delivery model (web + mobile, BankID verification).
• MoneyMan: Online short-term consumer lender active across CIS markets including Ukraine. Comparable to Miloan on installment-based small-dollar loans, subprime targeting, and digital self-serve delivery, with a broader regional footprint.
• Gofingo: Ukrainian online consumer microlender focused on short-term installment loans to individuals. Comparable to Miloan on product structure (small UAH tickets, installment repayment), customer segment, and digital-only distribution.
• AlexCredit: Ukrainian online microcredit company providing short-term consumer loans online. Comparable to Miloan in ticket size (small UAH-denominated loans), target customer (mass-market Ukrainian borrowers), and digital self-serve delivery through website and mobile app.
• Dinero (Dinero Ukraine): Online Ukrainian lender in the short-term consumer credit segment. Comparable to Miloan across product type, customer demographic, fully digital funnel, and BankID-based identity verification.
• Cashpoint (Cashpoint Ukraine): Ukrainian online consumer lender offering small-ticket short-term installment loans. Direct competitor to Miloan with similar BankID-driven onboarding, comparable UAH loan limits, and 24/7 digital disbursement to bank cards.
• Tengo (Tengo Ukraine): Ukrainian online short-term credit provider offering small installment loans via digital channels. Direct peer to Miloan on product (short-tenor, small-ticket consumer installment loans), customer profile, and automated digital underwriting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/miloan-llc

Compliance1 record

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 Miloan LLC