Moscow

Direct credit allows internet shops to lend to clients online. The service is integrated with scoring systems of banks, which makes it possible to obtain a credit decision online.

The process of obtaining a loan via the company service consists of 5 stages. Firstly, the client chooses the appealing product on the partner shop’s website and places an order. After that, the client chooses an optimal monthly payment and specifies the initial contribution and the loan period. On the website the client can become familiar with the conditions of the loan facilities provided by the partner banks and the loan provisions. Then the client has to fill in the unified form, which will be submitted to the bank for scoring.

lending

online_service

Direct Credit

Scorista

The service allows MFIs to make the best decision on granting loans and reduce the percentage of non-payments by one third. Connection to the Scorista.ru system is carried out through the API or via the web-interface, which reduces the cost of MFIs scoring.

The developed system for assessing the quality of borrowers is based on the principle of deciding on a loan under the SaaS scheme, using its own algorithm and mathematical model based on Big Data.

SaaS

fintech

banks

big_data

cloud_service

artificial_intelligence

Scorista.ru

Webbankir is an instant lending system providing online microloans and including all steps from processing requests to receiving the money by client. The request is processed within 10 minutes.

After the request is approved and the loan agreement is signed, the money is transferred to bank card, Yandex.Money wallet or via CONTACT system. Customer’s data is confidential and can not be distributed to the third party without the client consent.

Webbankir

Moneyman uses overdue promissory obligations collection technology based on AI. AI sets the date when the borrower repays the debt and chooses means of interaction with the borrower using machine learning technology.

Moneyman calculates the possibility of the client paying the debt on a certain day in case of late repayment and helps to choose the best way of interacting with the client. The system chooses the most effective way of communication with the borrower (calls, SMS or emailing). The lender always communicates with the client remotely.

machine_learning

Moneyman

The platform exercises control and fulfills the suspensive conditions for products with credit risk issued to legal entities. Registration and connection of a new member in the system takes no more than 5 minutes. Connection is free for lenders and settlement banks.

A smart contract records data to the blockchain with each transaction, which contains payment data for fulfilling suspensive conditions. The blockchain is also used to store the agreement templates of their participants, on the basis of which the parties sign an agreed version.

The blockchain entry ensures data protection from cyber threats and the immutability of the initially agreed conditions.

Blockchain platform for credit organizations

blockchain

SBC tendered

Mutual lending crowdfunding platform brings investors (individuals) together to help develop the borrowers’ (legal entities and individual entrepreneurs) businesses. By providing loans, investors earn from 20% per annum.

Fan.Money operates with automated scoring model that uses 256 financial and 24 business indicators. The borrower pays a fee from 3 to 6% to the investment platform for attracting investors. The fee depends on their credit rating and willingness to place information on raising funds on their products and promotional materials via the platform.

crowd_finance

Fan.Money

Viberu_ru

Viberu.ru offers banks’, insurance companies and non-governmental pension funds’ products and solutions. The system allowing to choose the product from the financial market’s offers is embedded on the website. The portal provides many ratings that help to choose the product with suitable options.&nbsp;

Moscow part of the portal includes information about the financial institutions of Moscow (340 banks, 122 insurance companies, 85 micro financial institutions, 54 non-governmental pension funds).

Banking and insurance products marketplace

marketplace

Viberu.ru

CarMoney provides loans to individuals and entities. The car (or the custom vehicle) remain in possession of the owner, the vehicle certificate is handed to the company.

The company considers an application requesting a minimal document package. Loans and payments are arranged via Contact money remittance system.

Online service for making loans secured against cars

transportation

CarMoney

By using the platform private investors can provide loans to small businesses. Thanks to the scoring system based on big data analysis, the decision on the application is made automatically within two hours. To obtain a loan, no collateral and guarantee are needed, only the TIN and turnover statement in the clearing account are required from the company.

When registering a borrower, the platform independently checks the company on the databases and makes a decision on the possibility of the company to place an application for a loan.

Crowdfunding platform for small and medium-sized businesses

crowdfunding

SimplyFi

Краудлендинг

Финансы

Potok

Alfa_bank

A platform that provides loans to businesses using the money from private investors-customers of Alfa-Bank. Borrowing companies are tested by a scoring system for a diverse number of parameters. To apply for a loan, it is necessary to go through online registration, providing an account statement and passport data. The term of the application is up to 3 days, the loan is issued for a period of up to 6 months.

The minimum amount for investment is 10,000 rubles, the maximum - 500,000 rubles. It is possible to reinvest returnable amounts, and the money is automatically transferred to new companies. To reduce risks, finance is evenly distributed to 20 companies.

Crowd funding platform for business lending by private investors

ecosystem

Penenza

Penenza is a P2B platform which links borrowers directly to investors. Penenza does not involve banks or other financial intermediaries. Here individuals and entities can provide loans to legal entities.

All the loans are targeted. Investors and borrowers sign loan agreements in electronic form. To apply for a loan, the prospective borrower must fill in a form that includes personal data, company information and loan parameters. Penenza uses a special credit rating system to analyze the data and determine their creditworthiness, drawing upon approximately 400 parameters. A rating is then assigned within 24 hours.

Investors also need to register on the site and must lend at least 5 thousand roubles to participate. The investor’s return is dependent on the grade of the loans they invest in.&nbsp;

The lower the grade, the higher the maximum potential fixed return for the first month and subsequent annual rate, commencing from the 31st day of the month.

A p2b lending platform for legal entities

Tech Solutions

Direct Credit

Scorista.ru

Webbankir

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Moneyman

SBC tendered

Fan.Money

Viberu.ru

CarMoney

SimplyFi

Potok

Penenza

Tech Solutions

Direct Credit

Scorista.ru

Webbankir

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Moneyman

SBC tendered

Fan.Money

Viberu.ru

CarMoney

SimplyFi

Potok

Penenza

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