Best Alternative Lending Companies in Russia
The 57 best Alternative Lending companies in Russia in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Oxygen Trade.
Among the 57 alternative lending companies we track in Russia, Oxygen Trade sits at the top by a wide margin, having pulled in $40M in disclosed funding, more than half the sector's entire $75M total. That concentration tells you something real about where conviction is actually landing. SimpleFinance follows at $15M, CarMoney at $10M, and the rest of the field drops off fast. Investors like Baring Vostok and Flint Capital are placing deliberate bets here, not scattering them.
The global alternative lending market was valued at roughly $2.4B in 2023, expanding at a 14.4% CAGR, driven by demand from both individual borrowers and businesses that traditional credit pipelines keep underserving. Russia's slice of that story is still early, zero unicorns so far, but the funding base is real and the strategic logic is sound. As a recent breakdown of the space makes clear, alternative lenders aren't just filling gaps, they're repricing risk in ways banks won't. And as the friend-or-foe debate heats up globally, Russian operators are quietly building the infrastructure to matter.
Ranked: Best Alternative Lending companies in Russia
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Oxygen Trade Online lending platform for cryptocurrency | $40M | 64 mo ago | Series C | Alex Melikhov Co-Founder & COO | 2017 | — | — |
| 2 | SimpleFinance Provider of financial products and services for small and medium businesses | $15M | 94 mo ago | Series A | — | 2015 | WordPressMySQLPHP+15 | — |
| 3 | CarMoney Platform for car title loans | $10M | 103 mo ago | Seed | Anton Zinoviev Founder | 2016 | SentryNode.jsVue.js+16 | — |
| 4 | Federal Finance Financial Product's Review and Aggregator Platform | $3M | 151 mo ago | Series A | Andrey Guzairov Founder & Chairman | 2010 | — | — |
| 5 | Zaimionline Instant online microloans | $3M | 161 mo ago | Deadpooled | Eugene Lobachev CEO | 2013 | — | — |
| 6 | Fingooroo Online service p2p lending | $2M | 137 mo ago | Seed | Olga Svyatchenko CEO | 2013 | — | — |
| 7 | moneymatika.ru Financial product comparison platform | $1M | — | Seed | Timur Djumaniyazov Co-Founder | 2008 | UbuntuNginxjQuery+6 | — |
| 8 | ProgressCard Credit repair service provider | $971K | 113 mo ago | Seed | Yury Rusakov CEO | 2014 | — | — |
| 9 | Refin.online Online marketplace offering residential mortgage loans | $476K | 61 mo ago | Seed | Mikhail Chernov CEO | 2020 | — | — |
| 10 | SCORISTA Credit scoring solutions for businesses | $226K | 129 mo ago | Seed | Maria Veikhman Founder & CEO | 2013 | — | — |
Top 12 Alternative Lending companies in Russia
#1
Series C · Saint Petersburg, Northwestern Federal District · founded 2017$40Mraised▾
Online lending platform for cryptocurrency. It allows the users to get a loan secured against crypto-collateral. The collateral is held by smart contract as escrow agent. It offers solutions to both individuals and businesses.
- Mar 2021Series C$40M
#2
Seed · Moscow, Moscow · founded 2020 · 7 employees$476Kraised▾
Online marketplace offering residential mortgage loans. It offers mortgage loans to consumers for house under construction, finished housing, car parking, family mortgage, non-purpose mortgage loans, mortgage refinancing, house insurance, and more.
- May 2021Seed$476K
#3
Series A · Moscow, Moscow · founded 2015 · 26 employees$15Mraised▾
Provider of financial products and services for small and medium businesses. It offers solutions for participants in government and commercial procurement. The company provides banking guarantees, tender loans, and contract performance support. It also serves marketplace suppliers with general conditions and a platform for agents.
- Sep 2018Series A$15M
- Sep 2017Seed—
#4
Seed · Moscow, Moscow · founded 2016 · 17 employees$10Mraised▾
Car Money is an online platform for personal loans secured by car title. Loans up to 70% of the asset value are offered, with amounts ranging from 50K to 1M rubles. The asset is retained by the owner.
- Nov 2017Angel$10M
#5
Seed · Moscow, Moscow Oblast · founded 2013 · 11 employees$1.5Mraised▾
Fingooroo allows borrowers and lenders to lend and borrow online. Citizen of any country, microfinance institution or a bank can be the lender at the service. Fingooroo accompanies the entire transaction process from the initial verification of the borrower to collection services. Requirements for borrowers are very strict and validation is based on its own scoring model. Monetization of Fingooroo is the commission for the issuance of the loan and additional services. It was admitted as the best start up project of 2014 in fin tech area at FinNext forum www.finnext.ru.
- Jan 2015Seed$650K
- Jun 2013Seed$850K
#6
Series A · Moscow, Moscow · founded 2010$3Mraised▾
The holding Federal Finance Group consists of: Federal Financial Bureau (ff.ru) - individual selection of loan offers from leading Russian banks and the design of the application in one click. Service credit rating, and recommendations for correcting credit history. Users just need to fill out an online application form and wait for a call from a representative of the bank. Platiza.ru - a popular online service instant financial assistance, offering customers short-term loans of up to 15,000 rubles for a period of 5 to 45 days to a bank card and online wallet, Visa, Qiwi Wallet, or Yandex online. Getting a loan online takes just 3 minutes.
- Nov 2013Series A$3M
- Jul 2012Series A—
#7
Deadpooled · Moscow, Moscow · founded 2013$3Mraised▾
zaimionline.ru provides online microloans to Russian citizens for making purchases. It claims to decide the issuance of loans in less than a minute.
- Feb 2013Seed$3M
#8
Seed · Moscow, Moscow · founded 2014 · 1 employees$970.5Kraised▾
ProgressCard provides credit repair services. Users need to register on the platform and choose a method for evaluating the credit history. They get recommendations for improving credit history. The company also provides legal and practical support. Provides free tools for contacting banks, collectors and the credit bureau, in case of errors or for debt restructuring.
- Jan 2017Seed$970.5K
#9
Seed · Moscow, Moscow · founded 2008 · 3 employees$1Mraised▾
Manimatika helps consumer to understand the variety of proposals for financial services market and financial products. It let user to calculate, compare, choose and buy insurance policies, car loans, mortgages or deposits.
- Seed$1M
#10
Seed · Moscow, Moscow · founded 2013$226.5Kraised▾
Scorista provides credit scoring solutions for businesses. It features a solution for borrowers' assessment to provide scoring, underwriting, anti-fraud, and preparation of a loan solution; loan condition selection for determination of the optimal loan amount and term; verification plan for verifying a borrower for an underwriter; individual model to provide simulation for improving prediction accuracy; and others.
- Oct 2015Seed—
- Apr 2015Seed$226.5K
- Aug 2014Seed—
#11
Seed · Moscow, Moscow · founded 2009 · 350 employees—raised▾
Sravni provides an online platform to compare various services provided by financial institutions. Platform provides comparison among deposit accounts, loan providers, debit and credit card providers, insurance providers, currency exchange rates, mortgage rates, and more.
- Oct 2020Seed—
- 2014Seed—
#12
Deadpooled · Moscow, Moscow · founded 2017—raised▾
An online asset-backed lending platform for cryptocurrency. It allows users to issue, borrow and lend cryptocurrency. It allows the users to launch pre ICO campaigns and issue tokens using smart contracts. It enables the users to lend and borrow fiat and cryptocurrency by providing crypto-collateral. Also, allows the users to make a deposit in cryptocurrency and earn interest on it.
- Feb 2018Seed—
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.