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Tuesday, June 02, 2026
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SimplyFi launches online crowd-investing product for SMEs with Tochka Bank

SimplyFi, a leading innovator in crowdfunding for Russian small and medium-sized enterprises (SMEs), has teamed up with Tochka Bank to offer its fast, online lending services directly to the bank’s business clients.

With just a few clicks, Tochka’s clients will now be able to apply for an unsecured loan of up to 500,000 rubles—the sort often used to replenish a company’s working capital or close cash-flow gaps. The entire loan process is fully electronic, and requires only online copies of a company’s statutory documents and an extract of its turnover for its current bank account. Credit decisions are made within just two hours.

Once the loan is approved, the money is transferred to the client’s Tochka account. Loans are offered at an attractive fixed rate of 2.5% per month, with the possibility of early repayment without penalties.

The SimplyFi platform is backed by a large investor base of individuals and investment funds (and with the platform’s integration, Tochka’s clients will now have the ability to participate in the funding pool as well). The platform’s underlying technology enables a detailed verification and thorough analysis of the creditworthiness of potential borrowers; these processes are supported by cutting edge fintech innovations, including proprietary algorithms and big data analysis. Meanwhile, SimplyFi and its parent company, SimpleFinance, closely monitor and manage portfolio risk exposures.

During the beta-testing of its integration with Tochka, SimplyFi has been highly popular, especially amongst retail and services companies. In the months ahead, the company expects to be able to increase its lending limit to 1 million rubles, and to achieve an origination volume of over 300 million rubles monthly through Tochka.

For more on the partnership, please go to: https://simplyfi.ru/tochka/

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