Monedo

Monedo is a dynamic financial services company operating in the fintech and non-banking financial company (NBFC) sectors. Monedo has dual headquarters in Hamburg, Germany, and Mumbai, India, catering to both developed and emerging markets. The company focuses on providing innovative financial solutions to consumers and businesses, emphasizing financial inclusion and empowerment.

Monedo’s core offerings include

• SME Financing: Tailored loans for micro, small, and medium enterprises (MSMEs) to support working capital, equipment purchases, and business expansion.

• Healthcare Financing: Loans designed to help individuals manage healthcare expenses efficiently.

• Supply Chain Financing (SCF): Solutions that optimize cash flow by providing immediate funds against receivables for businesses.

The company's unique value proposition lies in its technology-driven approach to lending, offering fast loan approvals, competitive interest rates, and customer-centric solutions. 

Business Model & Revenue Streams

Monedo operates on a hybrid B2B2C model designed to serve both individual consumers and businesses. Its business model leverages technology to streamline operations, reduce costs, and enhance customer experiences.

Primary Revenue Streams

1. Interest Income: The primary source of revenue comes from interest charged on loans provided to MSMEs, healthcare consumers, and supply chain partners.

2. Fee-Based Services: Monedo generates additional income through processing fees for loan applications and early repayment penalties.

3. Supply Chain Financing Fees: Businesses using SCF solutions pay fees for liquidity optimization services.

4. Embedded Lending Partnerships: Monedo collaborates with businesses to offer integrated credit solutions at the point of sale.

Customer Segmentation

• B2C Segment: Offers personal loans for healthcare needs and other individual financing requirements.

• B2B Segment: Focuses on MSMEs by providing working capital loans and SCF solutions.