Endless Ways to Grow.
Access dynamic, real-time funding to scale faster, manage cash flow, and capture opportunities as they arise.
Keep capital working where it matters most.
No personal guarantee or business credit history required.
Best for
In Buyer Mode:
SMEs with long payment terms (Net30/60/90)
Suppliers and distributors
In Seller Mode:
B2B Marketplaces
Local wholesale & procurement platforms
Use of funds
Purchase and sale of goods and services
Perfect For
Recurring-expense B2B businesses
Use of Funds
Payroll & daily operations
Inventory & supply chain needs
Marketing campaigns & launches
Cash flow gaps & unexpected costs
Ideal For
SaaS and subscription-based companies with predictable revenue
Use of Funds
New customer acquisition
Whether you’re covering a large order or navigating seasonal demand, our real-time BNPL bridges short-term gaps so you can move fast without financial friction.
Offer flexible net terms, attract more buyers, and get paid upfront – without the risk.
Modu automates workflows and provides real-time insights, so you can focus on what matters most: growing your business.
- 2.5% per month total
Loan rate for customers in KZ - 1.8% per month
Bank share - 0.7% per month
Modu share - 30-360 days
Term
Start your free trial.
Disclaimers and footnotes
Modu is a financial technology company, not a bank. Banking and payment services in Kazakhstan are provided by Bank RBK JSC (License No. 1.2.100/245/41, issued by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market – AFRDFM). All client accounts and transactions are held and processed by Bank RBK JSC under applicable laws of the Republic of Kazakhstan.
Funds deposited into Modu Business Accounts are protected by the Kazakhstan Deposit Insurance Fund (KDIF) within the limits established by law. Deposit insurance covers the failure of an insured bank.
Modu operates as a Banking-as-a-Service (BaaS) platform, providing financial technology services in partnership with Bank RBK JSC and other licensed financial institutions. Certain additional services, including payment processing, lending, or investment products, may be offered through Modu’s partners or affiliates under separate licenses.
All loans are subject to approval, including credit and collateral assessment, and may carry restrictions on availability. Nothing herein should be construed as a commitment to lend. Investing in securities or treasury products involves risk, including possible loss of principal. Past performance is not a guarantee of future results.
Cards issued under the Modu program are provided by licensed banking partners pursuant to agreements with Mastercard® or Visa®. Cards can be used where Mastercard® or Visa® cards are accepted, subject to applicable restrictions.
Modu does not provide legal, tax, or investment advice. Please consult your advisors regarding your specific situation.
