MOCash provides a p2p crowd-lending platform for SMEs, which brings together SMEs (borrowers) and individuals and financial companies (lenders) interested in supporting these businesses and earning returns on their loans. SMEs get the financing they need faster and cheaper than with traditional financial institutions. Overall, the MOCash platform provides scoring and risk assessment of the borrower, publication and promotion of loan requests, marketing and advertising for businesses, legal support for lending transactions, facilitation of payments and assistance in securing loan insurance. Business model is based on a one-time fee (4% of the loan), paid by the borrowers when they receive the loan. All contracts between the participants are concluded using an electronic-digital signature, and payments go through a payment service provider.