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About us

We are Modena

Modena offers payment, financing and investment services according to the needs and wishes of the new tech-savvy generation.

Our products are meant to stand out for their vibrant design, engaging user experience and thrilling technology.

There are many ways to build and promote financial products - we focus on the feeling our user are left with after each interaction with us. After all, we are not in the finance business - we are in the people business.

Our values
Our values are the foundation of everything we do, guiding our commitment to trust, responsible growth, and user-centered solutions. Each value reflects our mission to create a transparent, secure, and rewarding financial experience for all.
Transparency
We prioritize open and honest communication, ensuring that our terms, fees, and processes are clearly outlined for every user. Transparency builds trust, empowering customers and investors to make informed decisions.
Stable Growth
Our focus is on responsible, sustainable growth that balances expansion with sound risk management. This commitment drives long-term success and delivers consistent value to our users and investors.
Security
Safeguarding user data is at the heart of our operations. We invest in advanced security measures and uphold strict privacy standards, ensuring that personal and financial information is secure at every step.
User Experience
We design our services with the user in mind, providing seamless, responsive support and intuitive solutions. Our goal is to create a positive experience that fosters trust, loyalty, and satisfaction.
Company overview
Modena group offers it’s services via two subsidiaries:
Modena Estonia OÜRegistry code: 14820592A consumer lending company, registered in Estonia
Modena Payments OÜRegistry code: 16330975An European payment institution, registered in Estonia
Both companies have an operating license in their specific field granted by the Estonian FSA. The legal address for all Modena companies is Lelle 24-62, Tallinn, Estonia.
A brief history

  1. Modena Estonia OÜ established

  2. Modena Estonia OÜ stars Buy Now, Pay Later services

  3. Modena Estonia OÜ gets consumer lending license

  4. Modena Payments OÜ established

  5. Modena Estonia OÜ first consumer credit contract signed

  6. Modena Payments OÜ gets European payment institution license

  7. Modena Estonia OÜ reaches 75 000 customers

  8. Modena Estonia OÜ 250 000th financing contract signed

  9. Modena.capital established

Recent financials
Issued financing12 570K EUR
Revenue1 364K EUR
Net profit203K EUR
Financial year 2024
Our people
Oliver Matt
General Manager
René Oruman
Chief Technologist
Mattias Mölder
Business Development
Mikk Markus Sihver
Investor Relations
Team size
12 people
Combined Fintech experience
70 years
How it works Statistics About us Help Blog
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Contact us
info@modena.capital +372 5804 2366
Office hours
Mon–Fri, 10:00–17:00 CET
Modena Estonia OÜ - Registry code 14820592
Price list Terms and conditions Privacy policy
© 2025 Modena
Modena Estonia OÜ (“Modena”) is a licensed creditor in the Republic of Estonia acting under the supervision of the Financial Supervisory Authority of Estonia. No rights or obligations under any agreement concluded via this portal, nor any such agreement itself or any part thereof, nor any service obtained via this portal, shall be interpreted as constituting or involving services defined as any other type of licensed activity such as, for example, crowdfunding, credit intermediation, taking deposits or other repayable funds from the public, payment services, issuance of e-money, or investment services. Modena is not considered a crowdfunding platform operator, credit intermediary, credit servicer, credit institution, payment service provider, e-money issuer, investment firm, investment fund, or fund manager. The funds sent by the user are not deposits and are not subject to the Guarantee Fund Act.