ITF Group JSC is an innovative non–bank financial institution that provides borrowers with an extensive portfolio of financial services. Its main products are consumer loans with various payment schedules. The company was founded at the end of 2012 and launched its first online brand SmileCredit in February 2013. The start was promising, and the company has recorded four straight profit-positive years. As a result, the Company strategy has evolved and led to the establishment of a second brand – Get Cash, in 2015, aimed to operate through the offline network.