Unlock capital, automate routine tasks, and grow faster with Modu’s intelligent financing and management tools.
Time, too.
to simplify B2B financing
→ Up to 60% of available cash balance
→ Rate: 2.5% per month
- BNPL – Buy now, pay later for 30 to 90 days
- Working Capital – Day-to-day expenses, repayable in 30–360 days
- Revenue-based Advance – Financing up to $500K for SaaS, repaid as a share of recurring revenue.
→ Switch between modes without re-verification
Complete KYB / KYC → Open Business Account → Get AI-Based Scoring → Receive Credit Limit → Use B2B BNPL, WCL, or Revenue-based Advance → Repay Flexibly via Modu Dashboard
Real-time underwriting engine
Fraud & risk anomaly detection
Dynamic credit limits
Predictive repayment behavior modeling
Choose Us?
- User-friendly design with local adaptationAn interface in your language. All processes comply with the laws and business practices of your country.
- One KYC for all servicesComplete verification once – and get access to all products without repeated checks or document submissions.
- Credit limit in 30 secondsThe system analyzes your transactions and business activity – instantly showing your available limit and terms.
- Funds in a few clickInstant approval and transfer of funds from partner banks directly to your account.
- Automated repayments and limitsRepayments are processed automatically, and limits are updated without delays.
teams, and businesses
of all sizes and industries.
Upgrade to Plus when additional tools and functionality are needed.
Pricing that scales just with you.
Business Account
Corporate cards – Physical & virtual cards with dynamic spending limits
AI-Based Credit Limit
B2B BNPL – Buy now, pay later for up to 30, 60, 90 days
In Buyer Mode: Pay later for goods & services
In Seller Mode: Fund your buyers – get paid at shipment
Business Account
Corporate cards – Physical & virtual cards with dynamic spending limits
AI-Based Credit Limit
B2B BNPL – Buy now, pay later for up to 30, 60, 90 days
In Buyer Mode: Pay later for goods & services
In Seller Mode: Fund your buyers – get paid at shipment
Multi-currency & FX – Transact and hold balances in multiple currencies
Working Capital Loan – Short-term loans (up to 360 days) for inventory, logistics & operational needs
Revenue-based Advance – Flexible funding tied to recurring revenue, repaid automatically. Perfect for SaaS to cover CAC and scale. Up to $500K.
Get paid upfront without
slowing sales
Give customers the trade credit they expect, while you receive the full payment on day one – no delays, no billing stress.
Create a white-labeled captive financing program that feels like a natural extension of your business, delivering a faster and more reliable experience for every client.
- 1Improve your cash positionStrengthen liquidity, reduce price negotiations, and align sales, finance, and deal desk.
- 2High velocity salesGive customers more time to pay while you still collect upfront, keeping deals fast and friction-free.
- 3Rely on a financing partnerLet us handle the extended terms your customers expect without adding complexity to your process.
- 4Deliver financing under your own brand to create a consistent and professional buyer experience.
- SMEs with long payment terms (Net 30/60/90)
- Recurring-expense B2B businesses
- SaaS and subscription-based companies with predictable revenue
- B2B marketplaces
- Early- and growth-stage startups
– Credit Portfolio Insurance
Covers up to 90% of loan value → significantly reduces lending risk
– Structured Default Reserve Fund
Formed from Modu’s revenue → acts as a financial buffer for non-performing loans
– Built-in Non-Payment Risk Hedging
AI-based credit scoring, real-time monitoring & adaptive exposure limits.
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.
