miloan
Miloan (ТОВ «Мілоан») is a Kyiv-based, licensed Ukrainian online microfinance company founded in 2016 that issues short-term consumer loans of up to 30,000 UAH to Ukrainian adults aged 18-70 through a fully digital, self-service platform with automated credit decisioning and multi-channel repayment.
- Company typePrivate
- Founded2016
- HeadquartersKyiv, Ukraine
- Headcount11–50
- GTM typeB2C
- OfferingServices
What miloan does
Miloan (ТОВ «Мілоан») is a Ukrainian online microfinance company headquartered in Kyiv, founded in 2016 and licensed as a financial institution by the National Commission for the State Regulation of Financial Services Markets (Naccomfinposlug) under Certificate IK No. 176. The company provides short-term consumer loans to Ukrainian citizens aged 18-70, with first-time borrowers eligible for up to 20,000 UAH and repeat borrowers up to 30,000 UAH, repayable over a term of up to 360 days. Its target customers include mass-market Ukrainian adults and underbanked borrowers with limited or damaged credit history who are underserved by traditional banks.
The company's core product is a fully digital, self-service credit platform accessible via the miloan.ua website and native iOS and Android applications. The technology stack combines automated credit decisioning, electronic contract signing, and digital payment processing, with identity verification handled through two integration paths: BankID from PrivatBank and the National Bank of Ukraine for fully digital onboarding, plus a photo-based facial recognition fallback for borrowers outside the BankID network. Geolocation is used during application to accelerate approval. Disbursement and repayment operate through PCI DSS-compliant card processing via Liqpay, with Visa and MasterCard supported; repayment is additionally accepted through Privat24, PrivatBank ATMs, EasyPay terminals and easypay.ua, and A-Bank terminals.
Miloan generates revenue from three streams: daily interest income on outstanding principal, a one-time credit provision commission at disbursement, and a recurring credit servicing commission across the loan term. Customer acquisition and retention rely on product-led growth supported by promotional games, branded mascots (Kavunchyk), promo codes distributed via email and SMS, and a loyalty bonus system under which accumulated bonuses can offset up to 90% of interest, commissions, and penalties. The company has 11-50 employees, is privately held, has no disclosed institutional investors, and operates exclusively in the Ukrainian market.
miloan firmographics
Firmographics- Name
- miloan
- 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 (ТОВ «Мілоан») is a Kyiv-based, licensed Ukrainian online microfinance company founded in 2016 that issues short-term consumer loans of up to 30,000 UAH to Ukrainian adults aged 18-70 through a fully digital, self-service platform with automated credit decisioning and multi-channel repayment.
- Ownership category
- akta.pro rank
miloan industry classification
Industry- Product category
- Consumer Microfinance
- 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)
- akta.pro secondary industry
- Single-Payment Payday Loans (FSAKAMAA)
Keywords
Where miloan is headquartered
LocationHeadquarters
- HQ city
- Kyiv
- HQ country
- Ukraine
- HQ region
- Europe
Offices1 record
Markets served
miloan business model
Business model- GTM type
- B2C
- Offering type
- Services
Revenue model
- Credit Interest Income: Daily interest accrues on the outstanding loan principal throughout the credit period. Interest is calculated on actual remaining balance
- Credit Provision Commission: One-time commission charged at loan disbursement, amount depends on principal amount
- Credit Servicing Commission: Recurring commission charged each calculation period (except the last) throughout the loan term
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | First-time borrowers: Up to 20,000 UAH |
| Usage-based | Pay-as-you-go | Repeat borrowers: Up to 30,000 UAH |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
miloan product offering
Product offeringCore offering
Miloan is a Ukrainian online microfinance platform that issues short-term consumer loans directly to borrowers' bank cards. New customers can borrow up to 20,000 UAH and repeat customers up to 30,000 UAH, with repayment terms of up to 360 days. The entire application-to-disbursement process is conducted online through the website or mobile app, with automated credit decisions and electronic contract signing.
Product overview
Miloan is a Ukrainian online lending platform operating as a single unified digital credit service. The core offering is the Miloan Online Credit product, supported by a mobile application (available on Google Play and App Store), a personal account dashboard, and a multi-channel repayment platform. The product ecosystem includes identity verification features (Photo Identification, BankID integration), geolocation services, a loyalty/bonus system, and promotional code functionality. All services are accessible through the website, mobile app, and integration with Ukrainian banking infrastructure (PrivatBank, EasyPay, A-Bank) for both identification and payment processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Miloan Online Credit Online microfinance loan product offering instant credit of up to 20,000 UAH for first-time borrowers and up to 30,000 UAH for repeat customers, with repayment periods of up to 360 days. Funds are disbursed directly to a borrower's Visa or MasterCard issued by a Ukrainian bank, with the full process from registration to disbursement completed in under 20 minutes. Targeted at Ukrainian citizens aged 18-70.
- Miloan Mobile Application Native Android and iOS mobile application providing fast and secure login, exclusive discounts, push notifications for promotions and payments, and instant access to credit applications and loan management. Available via Google Play and the App Store for Ukrainian users.
- Personal Account (Особистий кабінет) Personalized online dashboard for borrowers to view current credit status, accrued interest, request repeat loans, and manage loan repayment. Accessible via the Miloan website and mobile app, allowing customers to track and control their credit activity online.
Quantifiable outcome
- Up to 20,000 UAH for first-time borrowers, up to 30,000 UAH for repeat borrowers
- +3 more outcomes
Companies that use miloan
Customer profileNamed customers1 record
Segments2 records
miloan technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature4 records
miloan partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, major and minor.
- BankID PrivatBankcoreIntegration with BankID from PrivatBank for customer identity verification. Identification via BankID increases chances for higher loan amounts with faster and more accurate data assessment.
- BankID National Bank of UkrainecoreIntegration with National Bank of Ukraine BankID system for identity verification of customers from banks other than PrivatBank
- Liqpay (PrivatBank)corePayment service provider for processing loan disbursements and repayments. PCI DSS compliant system handles full card details with higher security level than the company itself.
- Visa and MasterCardcorePayment card networks accepted for loan disbursement and repayment. Customers can link any active Visa or MasterCard issued by Ukrainian banks.
- EasyPaymajorPayment service allowing loan repayment through EasyPay terminals in shopping centers and stores, and via easypay.ua website. Fees charged according to provider tariffs.
- PrivatBank/Privat24majorLoan repayment available through Privat24 online banking and PrivatBank ATM terminals. Instant crediting available at terminals.
- A-BankminorLoan repayment through A-Bank ATM terminals located in stores, shopping centers, and bank branches. Minimum payment 20 UAH.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
miloan competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights6 records
Customer concentration
miloan social profiles
Digital presencemiloan compliance and trust
Trust signalCompliance2 records
miloan financial estimates
Financial estimateRevenue estimate
Valuation estimate
miloan leadership team
Management profileNumber of profiles
miloan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
miloan 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 miloan
What does miloan do?
Miloan is a Ukrainian online microfinance platform that issues short-term consumer loans directly to borrowers' bank cards. New customers can borrow up to 20,000 UAH and repeat customers up to 30,000 UAH, with repayment terms of up to 360 days. The entire application-to-disbursement process is conducted online through the website or mobile app, with automated credit decisions and electronic contract signing.
Is miloan a public or private company?
miloan is a private company. It is currently operating.
When was miloan founded?
miloan was founded in 2016. It employs 11 to 50 people.
Where is miloan based?
miloan is headquartered in Kyiv, Ukraine, in the Europe region.
How does miloan make money?
Three revenue lines are on record. Credit Interest Income is the primary driver. The others are credit Provision Commission and credit Servicing Commission.
Does miloan have an API?
No public API is recorded for miloan.
What industry is miloan in?
miloan'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.