Since the first part was warmly received on the resource, and I received only three accusations of lack of morals and thirst for profit and no curse, I will continue. This part will be preparatory to prepare you for the main question.

By the way, I habitually say “loan” instead of “loan”, but it is clearer for clients, so I use this option.

Brief analysis of target lending models with their features and nuances

Let’s say Vasyl came to the M-romashka LLC store to buy a phone for 12,000 rubles.

1. Receives a POS loan/credit for 12 months:

   1. Installment:

      1. Agreement with MFI/bank

      2. The seller of the goods receives money from the LLC, the buyer receives the goods

      3. The loan amount will be 9,520 rubles in the contract.

      4. Lending rate 45%

      5. The amount of interest is 2477 rubles.

      6. The schedule includes 12 payments of 1,000 r

      7. Overpayment 0 r.

      8. By making an early repayment a week after the purchase, the customer will pay only approximately 9,700 rubles for the product.

   2. Credit

      1. Agreement with MFI/bank

      2. The seller of the goods receives the money from the MFI/bank, the buyer receives the goods

      3. The loan amount will be UAH 12,000 in the contract.

      4. Lending rate 45%

      5. The amount of interest is 3122 rubles.

      6. The schedule includes 12 payments of 1260

      7. Overpayment during the year 3122.

2. Installment cards – installments for 12 months:

   1. Installment with a partner bank

      1. One contract with the issuing bank for all purchases

      2. The seller of the goods receives the money from the bank, the buyer receives the goods

      3. The purchase will be made using the credit card balance

      4. The credit limit will be reduced by UAH 12,000.

      5. The schedule will include 12 payments of UAH 1,000.

      6. Overpayment 0 r.

   2. The installment plan is not from a partner bank

      1. One contract with the issuing bank for all purchases

      2. The seller of the goods receives the money from the bank, the buyer receives the goods

      3. The credit limit will be reduced by UAH 12,290.

      4. The schedule will include 12 payments in 1228.

      5. Overpayment of 3026 r.

3. BNPL – installments for 6 weeks:

   1. A contract with an LLC, for example, Yandex Pay LLC, T-Purchase LLC, A-Chotyri Technologies LLC, etc.

      1. The seller of the goods receives money from the LLC, the buyer receives the goods

   2. 12,000 in the contract.

   3. Advance payment 4000 hryvnias.

   4. Then 4000 hryvnias each. Every 2 weeks.

   5. Provided by LLC (Yandex Pay LLC, T-Pupky LLC, A-Chotyri Technologies LLC)

   6. The information does not go to BKI

   7. Recovery, most likely, will be through collectors or through FSSP

4. Installments in the form of POS – a loan for 6 months:

   1. Purchase from a partner

      1. Agreement with MFI

      2. The buyer receives money from the MFI on a card, pays at the partner’s store

      3. The loan amount will be UAH 12,000 in the contract.

      4. Preferential lending rate 0%

         1. The rate for non-compliance with the terms of the preferential rate – better not necessary

      5. The amount of interest is 0p.

      6. The schedule includes 6 payments for 2000.

      7. Overpayment for 6 months 0.

5. Secured loan in the guise of POS

   1. Technically, it does not differ from POS in any way, except for the signing of another contract by the client and the possibility to use a higher rate in various cases, for example, in case of late payments

6. Islamic banking

   1. May be provided by LLC. In the classical sense, a company operating according to the principles of Islamic lending cannot raise funds at interest. But investors can share in the company’s future profits

   2. The organization buys a product at one price to sell at a higher price – practically

   3. Installment is free for the client, but the price (amount in the installment contract) will be higher

   4. If it is an LLC, then the data does not go to BKI

   5. They will charge through relatives, friends, diaspora and conscience

As you can see, the proposed lending schemes do not look scary. This is influenced by the following factors:

• in the example, a small amount is taken;

• the lending rate is relatively low, so the overpayment is small;

• there are installment options that are free for customers.

There are many lending schemes, there are more than enough offers on the market for sellers. If you take the top 50 in Russian ECOM, then everyone will work with one or more solutions. Do not forget that the customer can simply pay with his credit card with 100 or more days of installments. The market is very competitive.

But this does not mean that today it is not possible to make an interesting offer for customers of various scales, from marketplaces to small private shops.

In the next article, we will try to reflect on the topic of what such a unique or simple worker can do in 2024 on the target lending market.

If you did read the article and found errors in it, write, I will correct it.