built for SMEs
- Smart limitsYour credit grows with your business. Access up to 60% of your balance, cash flow, and revenue – powered by real-time data.
- Fast accessFinancing is always at your fingertips. Your credit limit is available right after registration and updates automatically. Withdraw funds in just a couple of clicks.
- Flexible useWhether it’s payroll, suppliers, inventory, or marketing pushes – spend from a single credit limit.
- Effortless controlApply, withdraw, and repay – all inside your Modu Dashboard.
- RequirementsConnected financials – Access to your business accounts, payment systems accounting software is required for scoring and real-time funding assessment.
These criteria ensure that Modu can quickly evaluate your business, offer a fair advance, and automate repayments based on your actual revenue. - TermsMaximum amount – up to 60% of your available balances, based on your Credit Limit.
Currency – KZT, USD, EUR
Duration – 30 to 180 days
Rate – flat 2.5% per month
Funding Speed – Capital lands in your Modu Business Account in seconds after approval.
Loan/Line origination fee- 0.0% of the financing amount
- 0.0% of the revolving limit amount annually
Application processing fee – 0 KZT
Late payment penalty – 0.2% of the outstanding scheduled payments per day of delay - Focus & Use of fundsWhere Modu Working Capital Loans make the difference:
- Payroll & daily operations – keep your team and business running smoothly
- Inventory & supply chain needs – secure stock or raw materials without delays
- Marketing campaigns & launches – fund growth initiatives right when they matter
- Cash flow gaps & unexpected costs – cover shortfalls without stress
Standard rate: 2.5% monthly (for Kazakhstan, 2025).
Early repayment? No penalty.
WCL for SMEs
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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.
