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we are
Penenza — BUY NOW PAY LATER (BNPL) PLATFORM FOR B2B SALES
What we've done before
$6 bln GMV
annually
$0,5 bln in loans
0,5+ mln MSME clients
on the large-scale platforms built by the team
provided to MSME in the fintech platform, built by the team
MSME merchandise volume on the B2B marketplace, built by the team
Since 2011 we have been helping MSME suppliers and buyers grow their business
Our founders
Dmitrii Pangin

CEO
founder

10+ years of experience as CEO of a B2B marketplace and fintech platform
Taisya Kudashkina

Investor relations, CMO, co-founder

12+ years of experience in bringing fintech start-ups to the Asian and European markets
Egor Goncharov

CTO,
co-founder

10+ years of experience managing software development teams creating innovative B2B marketplace and fintech solutions
Our history
The team has built 2 succesful large-scale platforms for MSME
To build an MSME trade platform from scratch: from idea via market- and channel-fit to scaling-up
To manage growth from small local startup into a big federal corporation with more then 250 employees in 27 regional divisions though-out the country
To scale up to 400K+ MSME clients, $6bln annual trade volume on a marketplace, platform annual revenue $16mln
B2B marketplace. We now know how:
B2B marketplace OTC.ru
To attract 100+ partners that brought thousands of clients
To sell to MSME via multiple sales channels, e.g. conducting 1000+ offline seminars annually
To build an MSME-targeted fintech platform from scratch: from idea via market- and channel-fit to scaling-up
To make a good credit product that has low risks and high yield: provide procurement eAuction bid bonds loans that have a default rate 0,4% and an annual yeld of 40%+
To grow a company with minimum resources: issued 35 000 loans with only a 15 employee team
Crowdlending platform Penenza.ru. We now know how:
Crowdlending platform
Penenza.ru
To build the biggest player in a segment: issued $500mln+ loans to 15K+ MSME borrowers
To implement an innovative crowdlending p2b model that is first in the market despite regulation uncertainty
To build a partnership network: partnered with 150+ credit brokers
To pivot the business: changed the business model when the bit bond market collapsed due to a change in regulation
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