Loans from 20€ to 10,000€, response within 24h. Based in Estonia.
~40K€
2025 Revenue
80K€
Cash reserves
0€
Debt
8
Products
From 0 to 70K€, then -50K€, then restructuring.
QuickFund wasn't born from a personal struggle. It started from an observation: competitors treat people like case numbers. Students, freelancers, people with a past incident — they all get turned away.
Founded
OU created in Estonia. Why Estonia: 0% tax on reinvested profits, e-Residency, 100% online management.
Autopilot
The platform was built, automated, and ran with minimal intervention. ~70K€ cumulative revenue over two years, profitable from day one, zero debt.
The crash
Accumulated technical debt caused data losses. Reconciliation became impossible. ~50K€ lost — not because the model didn't work, but because we could no longer trace the loans. Radical decision: stop everything.
Restructuring
Q1: full structuring — data, metrics, tracking. Q2-Q4: aggressive growth. Goal: double the revenue of the first two years in a single year.
The 20€ micro-loan. Nobody else does it.
Banks don't lend 50€ — too much paperwork for too little margin. QuickFund does. Lean structure, 100% automated process.
8 products. From micro-loans to financial coaching.
Micro-loan
THE signature product. Nobody else lends 50€.
Amount
20–500€
Duration
1–3 months
APR
~18%
Consumer loan
100% online, explained decision, near-instant disbursement.
Amount
500–5,000€
Duration
3–36 months
APR
~12%
Student loan
Evaluates the project and potential, not just history. FormaCash synergy.
Amount
500–5,000€
Duration
Variable + deferral
APR
~9%
Salary advance
Near-zero risk — the salary comes in, the repayment follows.
Amount
Small amount
Duration
A few weeks
APR
~14%
Business loan
Variable income accepted. Better margin, higher growth potential.
Amount
1,000–10,000€+
Duration
3–24 months
APR
~11%
Leasing
Vehicles, equipment. The asset serves as collateral.
Amount
Variable
Duration
12–60 months
APR
~9%
Debt consolidation
Strategic acquisition tool. We win clients from competitors.
Amount
Variable
Duration
Variable
APR
Variable
Financial coaching
On the roadmap. The glue for everything — credit + guidance in a single product.
Amount
—
Duration
—
APR
Free / 25€/month
How we decide.
A client who had past incidents but communicates, catches up, and warns before difficulties — that's a good client. A client with a perfect record who disappears at the first missed payment — that's a bad client.
Income stability
HighPermanent > Fixed-term > Stable freelance > Irregular
Credit history
HighExcellent > Good > Mixed > Incidents
Debt ratio
Medium< 30% > 30-50% > > 50%
QuickFund behavior
HighGood payer > New > Recovered incidents
Communication
MediumProactive > Reactive > Silent
Risk categories
A
Low risk
~50% of clients
Permanent employee
B
Moderate risk
~25% of clients
Stable freelancer, student
C
High risk
~20% of clients
Mixed history, improving
D
Borderline risk
~5% of clients
Multiple incidents, determined to recover
30K€
2024 Revenue
~40K€
2025 Revenue
~3,300€
Fixed costs / month
∞
Runway
Loans from own capital. Financing cost: ~0%.
No external refinancing. Gross margin per loan ≈ average APR. Target net margin after risk: 3–6%. Target default rate: <5%.
Revenue sources
Loan interest
Average APR 10–14%
Origination fees
~1% of amount
Late payment penalties
2% after 10-day grace period
Premium Coaching
~25€/month
Client flexibility
Full early repayment — 0€
Partial early repayment — 0€
Payment deferral — 0€ (1 free per loan)
Contract modification — 0€
Debt restructuring — 0€
A well-treated client comes back and refers others. The cost of the gesture < acquisition cost.
Who we're up against.
Younited
~$110M revenue, €60M raised
QuickFund advantage: Micro-amounts + coaching
Bondora
€52.6M revenue, profitable since 2017
QuickFund advantage: No P2P + coaching
Revolut
$4B revenue, $75B valuation
QuickFund advantage: Specialization vs generalist
Klarna
$2.67B revenue, IPO $15.1B
QuickFund advantage: Traditional loans, not just BNPL
Maximum tools built in-house.
Tech stack
Internal tools
Credit platform (scoring, loan management, client portal)
Transactional email tool (zero SaaS dependency)
Accounting tool (linked to external accountant)
Electronic signature (zero third-party cost)
Client document storage (hosted internally)
Client journey — application → funds in 24-48h
What we're building.
Synergies
5 years
- — Max 60% Estonia, 40%+ other EU countries
- — Multiple structured product lines
- — Organic growth
- — Independent and profitable
10 years
- — Leading transparent credit provider in Europe
- — Reference for the bank-excluded
- — Expansion into emerging markets
Structure
OU — Estonian LLC
Founded: November 20, 2023
100% founder, no fundraising
Compliance
GDPR ✓ KYC/AML ✓
Regulated in Estonia ✓
Consumer Credit Directive ✓
Operations
95% automated
Coaching trainers on contract
External accountant shared across the group
Outsourcing
Client acquisition (CAC)
External company, % of generated profits
Manages: fundraising, application processing