Unlock funding
when it matters MOST
Our mission is to provide advanced financial solutions to those overlooked by traditional banks. We help startups and small businesses grow and scale.
Our Products
We offer flexible financial solutions, whether it’s loans, factoring, or leasing. We understand your needs and adapt our products accordingly.
Capital Lease
We provide leasing options for businesses looking to acquire equipment, vehicles, or other assets without large upfront costs. Leasing allows businesses to spread payments over time while using essential assets to grow their operations.

Financing Amount: Up to 80% of the asset’s value.
Asset Requirements: The residual useful life of the leased asset must exceed 3 years.
Factoring
Factoring services allow businesses to sell their accounts receivable at a discount to get immediate cash flow. This is especially useful for companies facing long payment cycles.

Factoring Type: With or without recourse (Regress / Non-recourse factoring available).
Eligibility: Minimum of 2+ years of business relationship with the Debtor required.
Financing Limit: No predefined limits on funding.
Up-Front Fee: 2% of the factoring amount.
Loans for business
We offer flexible business loans tailored to meet the financial needs of SMBs and startups. These loans can be used for various purposes, including expansion, working capital, or new project financing.

Purpose: For financing business operational needs.
Maximum Loan Amount: Up to $150,000.
Collateral: No collateral Required.
Interest Rate: Varies depending on the industry sector.
Our Products
We offer flexible financial solutions, whether it’s loans, factoring, or leasing. We understand your needs and adapt our products accordingly.
Banking-as-a-Service (BaaS)
Providing companies with the infrastructure and tools they need to embed financial services into their own platforms. This enables businesses to offer banking services to their customers without building the backend infrastructure from scratch.
AI-Powered Risk Assessment for Customized Loan Pricing
We offer flexible business loans tailored to meet the financial needs of SMBs and startups. These loans can be used for various purposes, including expansion, working capital, or new project financing.
Accelerate Your Business with Fast and Simple Loans
Mission
At MOST Neobank, our mission is to empower SMBs and startups with innovative, AI-driven financial solutions.
Traction
Commenced lending operations through our Microlending SPV
$1.75M
disbursed loans and $1.3 collected
Portfolio NPL 3.75%
*KZ Microlending NPL 10-15%, US Microlending NPL 5-10%
38.5%
Local Portfolio effective interest rate (appx ~ 28.5% US rate1)​
Already integrated
with several Big Data collection platforms
> 400 pilot loans have been disbursed and collected,
using our AI Scoring model​
1 US Fed Interest rate = 5%, Kazakhstani National Bank rate = 14.25%. Kazakhstan sovereign risk about 9.25 % (14.25% - 5%)​
Mirat Akhmetsadykov
Founders
Serial entrepreneur, venture investor
Pavel Koktyshev
Serial entrepreneur, venture investor
CEO / Co-founder
Alim Khamitov
Co-founder
Serial entrepreneur, venture investor
15 Years in scoring and screening venture projects​. Founded and operating first venture fund in Kazakhstan​
Co-founder
Core team
Madi Kabdrash
10 years in IT, fintech and banking. ​Startup and technology enthusiast.
Kainar Mardenov
CTO
25 years in IT, banking, entrepreneurship and startups.
Chief Innovations Officer
Ansagan Shayakhmet
16 years in finance, SMB lending, Corporate finance.
CEO of MFO
8 years in product development.
Nurkhan Iskendir
PM
Arystan Tatishev
CPO
3+ years in PM, investor relations and engineering within US tech industry.
Zhuldyz Suzhikova
MBA, 18+ years of experience in corporate finance, investments and private equity.
Investments
Iliyas Murzagaliyev
15 years experience in audit and finance.
CFO
Denis Levin
20 years in banking and risk management.
Risk management
Here are 8 questions and answers for the FAQ section based on your requirements:
These answers offer clarity to potential customers, emphasize prompt follow-up times, and provide transparency in the process.
MOST Neobank
mirat@mostfund.vc
+7 775 527 23 92
Almaty, Kazakhstan