You can be a part of Modena's success

Modena started with a mission to help merchants provide their customers more convenient, modern, and flexible payment solutions. Today, our payment and financial products are used by over 50,000 customers.

Comparison of Bond Term

Face value1000€1000€1000€100€
Interest11,5-13%10,5%8%11%
Interest paymentQuarterlyQuarterlyQuarterly2 times per year
Period2-3 years10 years10 years3 years
CollateralSecured by portfolioSubordientedSubordientedSecured by portfolio

Reasons to Invest in Modena

Our payment and financial services are designed for the best user experience for private and business customers.

An organically growing ecosystem that supports customers movement between various financial products.

Low fixed costs and an seasoned team with solid track record.

Previous bond issuances

Issued on 01.11.2021 with an interest rate of 11-14%

Issued on 01.12.2022 with an interest rate of 11-14%

Issued on 23.05.2023 with an interest rate of 11-14%

Issued on 30.11.2023 with an interest rate of 11-14%

Issued on 15.05.2024 with an interest rate of 12-14%

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Contact

Mikk Markus Sihver

Investor Relations

Phone: +372 504 2523

Email: mikk@modena.ee

Skype: mikksihver

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The following calculation is approximate and may vary depending on the information provided by you and your credit score. The actual offer will be determined after the application is submitted.

Modena Estonia OÜ's purchase credit annual percentage rate is 17.84% under the following representative conditions: credit limit of 1000 EUR, fixed interest rate of 10%, no contract fee, no administration fee, total credit amount and repayment amount of 1100 EUR assuming the credit is repaid within 12 months in equal monthly installments. Please review the terms before entering into the agreement and consult with a specialist if necessary.

You are on the website of Modena Estonia OÜ and Modena Payments OÜ, companies providing financial services. Modena Estonia OÜ is regulated by the Estonian Financial Supervision Authority. Before entering into any contract, please review the terms and conditions of the respective service and consult with an expert if necessary. By continuing to use this website, you agree to the website's user terms and conditions.