In operation since 2011. Non-target consumer loans via a network of service offices, website, and mobile apps, as well as loans to legal entities (private entrepreneurs).
Fifteen types of financial products, loans from 1,000 to 300,000 rubles for a term of 15 to 730 days. 24/7 online lending.
The product line is constantly expanding thanks to financial and non-financial products.
OneClickMoney has been in operation since 2013. Loans from 1,000 to 30,000 rubles for up to 2 months via the website and mobile app.
An additional focus on the development of a junior brand called CashToYou (founded in 2018) with a similar concept to increase the portfolio, lending volumes, and profits.
Integration into the group's platform solutions, transition to the OMNI app, development of a mobile app, and additional services allow us to enhance brand leadership in the online lending sector.
Lemon.online is one of the first investment platforms in Russia where private and institutional investors can invest in SME factoring. In operation since 2019. Investments are secured by a pledge of the right to claim accounts receivable.
The service appraises the current state of a business, conducts digital transformation, and finances businesses at every stage of growth. By using the scoring models created, the project has analyzed more than 23,000 companies from different industries and financed businesses in the amount of more than 1.5 billion rubles completely online.
In 2021 the service created scoring models to assess businesses on marketplaces and began financing sellers and vendors on Wildberries, Ozon, SberMegaMarket, Yandex.Market, and AliExpress completely online.
Other Financial Solutions
The venture fund Finbridge Ventures was created in 2022. The fund invests in early-stage IT start-ups (seed, Round A).
The focus is on start-ups in industries like fintech, clouds, marketplaces, e-commerce, SaaS, and B2B software, as well as creating innovative business models in large and growing markets with a proven product-market fit, the potential for rapid growth, and global scaling.
The payment service opened in 2019.
The necessity of creating our own payment processing arose as the turnover of the group's ecosystem projects grew.
Besides processing payments for the group's projects, the payment service now provides acquisition services to various merchants. The development of payments services in Asia is also part of our plans.
Twenty-First Century is a universal insurance company. It has been operating on both the Russian and international market since 1994.
The company offers all types of insurance for individuals and provides insurance for corporate customers in the construction industry and cargo carriers.
It is an issuer of so-called "Green Card" certificates. At the end of 2022 the company occupied third place in Russia in terms of insurance premiums in this market.
Possesses a network of branches and regional offices in large cities across Russia, as well as a network of points of sale in border regions.