About the Company

CreditFlow is a new, technology-driven player in the short-term lending and factoring market for small and medium businesses in Kazakhstan.

The extensive experience of our management team in leading international investment banks and funds — JPMorgan, Morgan Stanley, and Elbrus Capital — ensures first-class service quality and the highest standards of reliability and transparency for our clients.

Management team’s expertise in business lending and factoring

>$75M Assets under management

>$800M Total loans issued

>1,000 inquiries Number of incoming applications per month

Loan Volume Provided

Cumulative volume of loans issued as of period end, $M

Portfolio Structure by Business Segments

1.3% Tender Loans

46.8% Contract
Execution
Financing

0.3% Express Loans1

51.3% Working
Capital
Financing

Our Values

Quality

This is the first and most important principle of our work, and we ensure its adherence at every stage of the process.

Transparency

We are fully honest and open with our clients.

Long-Term Partnership

We build client relationships for decades to come because we know that our own success is impossible without the success of our clients.

Management Team

Chairman of the Board of Directors

Andrey Sergeyevich Zemlyanov

Over 15 years of experience in corporate finance at leading financial institutions (J.P. Morgan, UBS, Ernst & Young)
Financial and economic education (Moscow State University)
CFA, ACCA, FRM

Independent Member of the Board of Directors

Artem Alexandrovich Alexandrov

Experience in banking at the international investment bank J.P. Morgan and in implementing own projects
Education in economics and finance (Higher School of Economics, Russian Economic School)
Winner of the All-Russian Economics Olympiad

CEO, Member of the Board of Directors

Kirill Romanovich Kondratyev

Over 10 years of experience in international investment funds and banks (Elbrus Capital, Morgan Stanley, Goldman Sachs)
Education in economics and finance (Financial University under the Government of the Russian Federation)

Details of CreditFlow MFO

Name

LLP "MICROFINANCE ORGANIZATION 'CREDITFLOW'"
Address

050000, Republic of Kazakhstan, Almaty, Nursultan Nazarbayev Ave, Building 248, Office 326
Account Number

KZ848562203142884992
BIC

KCJBKZKX
Bank

JSC "Bank CenterCredit"
BIN

241240018040
KBe

15

Details of CreditFlow Factoring

Name

LLP "CREDITFLOW FACTORING"
Address

050000, Republic of Kazakhstan, Almaty, Nursultan Nazarbayev Ave, Building 248, Office 326
Account Number

KZ278562203142884175
BIC

KCJBKZKX
Bank

JSC "Bank CenterCredit"
BIN

241240017924
KBe

15