MoCash

MoCash operates as a fintech marketplace within the Ukrainian financial sector, specifically focusing on peer-to-peer (P2P) crowd-lending.

The company was established in December 2016 and is headquartered in Kyiv, Ukraine. MoCash positions itself as an alternative financing channel for small and medium-sized enterprises (SMEs), connecting them directly with a pool of private and corporate lenders. This model aims to provide SMEs with faster and more cost-effective access to capital compared to traditional banking institutions.

The core of the business is its digital platform, which manages the entire lending process. For borrowers, this includes the publication and promotion of their loan requests. For lenders, it offers a way to support local businesses while seeking returns on their capital. The platform's services encompass borrower scoring and risk assessment, legal support for transaction execution using electronic digital signatures, and payment facilitation.

MoCash's revenue stream is derived from a one-time fee charged to the borrower. The company takes a 4% commission on the loan amount once it is successfully funded and disbursed. This B2B2C business model targets both the businesses seeking funds and the individuals or companies looking to invest.

Keywords: peer-to-peer lending, SME financing, crowd-lending, fintech, financial marketplace, debt financing, Ukrainian market, loan platform, alternative finance, investment platform