- Referral partnersModu referral program is a perfect solution for professional services firms, advisors, brokers, and more that are looking to help their SaaS clients access financing and revenue acceleration tools.
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Bank partnersExpand your lending portfolio with minimal risk – while helping businesses thrive. - Venture capital & acceleratorsProvide your venture-backed portfolio and cohorts with financing to accelerate their growth and extend runway.
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Tech & integration partnersEmbed our financing solutions into your platform. Capchase manages the operational challenges a capital funding business requires. We make it easy for you to enable.
- Credit portfolio insurance – covers up to 90% of the loan amount.
- Reserve fund – formed from our revenue and serving as a buffer against defaults.
- AI-powered scoring and real-time monitoring – reduce the likelihood of non-payments.
With RBF, startups receive up to ₸270M ($500K) in upfront capital, repaid as a small share of future revenues. This allows founders to move confidently from Seed to Series A with stronger traction, while early investors see their equity protected.
Why it matters for investors
- Non-dilutive growth capital – avoids premature fundraising rounds and keeps founders focused on scaling.
- Equity protection – helps portfolio companies achieve higher valuations before raising equity.
- Aligned incentives – ensures founders and investors move in the same direction: growth first, fundraising later.
Result: your portfolio companies grow faster, raise smarter, and deliver stronger returns – all while keeping ownership in the right hands.
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.
