Service online credit

Project description

The essence of the project

The service is an international online platform that allows you to take short-term loan from the comfort of home. The platform will be implemented on the basis of existing enterprises of the ICC "Gorzaym" (OGRN INN 1127746175138 7702784493), which operates in the financial market for more than 7 years

The objectives of the project

The company plans to actively grow due to the expansion of markets, the first phase covering the Russian market, and vdalneyshem opening operational office in India in the future, leaving the rest of the Southeast Asian countries.

The Russian market

  1. Planned growth of the loan portfolio: new to 25 million rubles., repeated up to 100 million.
  2. The net profit on the Russian market, to RUB 676 million at the end of the forecast period, cumulatively.

The Indian market

  1. Planned growth of the loan portfolio: new to 25 million rubles., repeated up to 100 million.

Profit growth in the Indian market to 983 mln. at the end of the forecast period, cumulatively.

Company website

Additional information

Key factors of the commercial success of the project:

  • Management. The presence of a team of experts with successful experience of opening a microfinance division from scratch.
  • Presence offline ICC history on which to build the online loans.
  • The population of the planet grows, so the number of potential borrowers is increasing.

According https://countrymeters.info/ru today the population is more than 7, 5 billion people. Natural population growth will be positive and will be 93 501 640 people.

  • The low level of population access to financial products in developing countries.
  • Most users switch from offline to online penetration in the FINTECH sector from 33% (in the Russian market) to 46% (developing рынкахИсточник:https://nag.ru/news/newsline/100635/v-mire-chetyire-milliarda-internet-polzovateley.html

Market analytics

Russia

The MFIs market in 2018 continued to grow due to strong demand for its services, particularly in the online segment. High growth rates persist in the background of the stagnation of real disposable incomes of the population and the expected tightening of regulation by the Bank of Russia as micro-loans "to wage", and certain categories of consumer microloans.

In part RAEX (Expert RA) maintains the forecast growth rates in 2018-2020 in the range of 20-40%. Tighter regulation of the market the MFI is able to increase the number and activity of illegal companies. Increasing regulatory workload in 2015-2018 led to lower margins of microfinance business and to raise the threshold for market entry for new MFIs. Over the past two years the number of microfinance companies in the registry of the Bank of Russia decreased from 3, 6 to 2, 2 thousand companies. While in the short term, high regulatory pressure on the industry without the imposition of liability for shadow players may have a negative impact on the image of the responsible MFI.

Developing countries:

According to the report Skepitcal: Desk research participants development

The uniqueness of the project

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Sales strategy and marketing

— CPA

— SEO

— Contextual advertising

— SMM

Project detailed information is available to investors after authorization.

Project detailed information is available to investors after authorization.

Translated by "Yandex.Translator"
Project No. 47622
Created on: 18.03.2019

International project


Project price: 300 000 000

Investments volume: 10 000 000


Stage: Development of existing business


Website: avicredit.ru


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Contact details of entrepreneur

Vinogradov Konstantin Vyacheslavovich

International project
Investments / finances