We solve short-term
liquidity gaps for SMEs

Monify supports small-medium enterprises by providing unsecured on-line business loans of up to 100’000 EUR
under 1 business hour.

About us

Monify is an innovative fintech start-up that provides the fastest online loans to small to
medium enterprises (SMEs) in Baltics & Poland. By using in-house developed scoring model
and automated IT lending software, Monify gives an approved loan offer in only 33 minutes.
Main product is unsecured business loan with maximum amount 100’000 EUR with a
minimum APR of 36%. Loan is always guaranteed by a personal guarantee from owner of
the company. Company is headquartered in Riga, Latvia, has 16 people on the team. Since
establishment in 2017, company has lent 15+ million EUR worth loans to 400+ unique SMEs.



Company establishment!
Latvia, Lithuania and Estonia launched.



Launch in Poland.
P2P Platforms connected.



Loan book of 4.8m EUR reached.
15million EUR+ volume lent.


Our Team

Founder & CEO

Artur Geisari

5 years’ experience in SME lending, 12 years – in financial consulting and debt financing


applications assessed


mEUR loans issued


unique customers


countries operational


people on the team


office for all operations

Our Product



Term: 1 – 24 months

Payment: amortizing loan

Interest rate: from 2.5% p.m. or 30% p.a.

Commission: from 3.5% for loan disbursement

Interest payments: bi-monthly

Security: personal guarantee from owners

Eligibility criteria: 6 months of operations, 30k EUR minimum turnover

Necessary documents: banks statement for past 12 months

Looking for outstanding opportunity to invest in fast growing FinTech?


Great opportunity to become a partner and shareholder in the best SME lending fintech company.

MONIFY is a fintech start-up from Latvia that provides fast online loans to SME (small and medium enterprises) in Baltics and Poland. The main product is non-collateral business loan with maximum amount 100,000 euro and APR of 60%, backed by personal guarantee of the business owner. The average ticket is 23 000 euro and the average term is 6 months.

The key advantage is the speed of decision-making – the average scoring takes 22 minutes and offer is done in 33 minutes.

Key investment considerations

Proven business model

  • 3 years of operations in SME lending in 4 countries
  • 15’000 received applications from SMEs
  • Trusted by 700 paying customers
  • 200k EUR monthly revenue
  • 4.4m EUR gross loan book

Customer oriented

  • Self-service customer cabinet
  • Semi-automated scoring decision-making
  • Expert SME scoring model with 3 years data points
  • In-house developed Loan-Management-System (IT)

Secured business processes

  • B2B lending is not regulated in most of the EU countries
  • AML, GDPR compliant
  • Internal procedures in place (risk, credit policy, debt collection, etc.)
  • KPMG as an external auditor

Our webpages

Founder & CEO

Artur Geisari

Monify AS
36 Dzirnavu iela, LV-1010, Riga, Latvia