Activitis Builds Fintech Infrastructure for Ukrainian Business During Wartime

The team at Activitis is developing an embedded finance model that helps Ukrainian entrepreneurs access financing faster, easier, and without unnecessary paperwork. Thanks to the created fintech products, businesses can receive the requisite funds in less than an hour, and instead of waiting a long time, focus on development and scaling.

The winter of 2026 turned out to be one of the most difficult for Ukraine, and local businesses were not spared from its effects. In just three months, Russia launched more than 27,000 Shahed drones at Ukraine, which attacked civilian and energy infrastructure. Ukrainian entrepreneurs once again find themselves in a situation where the speed of decisions directly influences the ability to continue working.

At times like these, business financing isn't just about growth; sometimes it's about not stopping.

“One of our clients–the owner of a coffee shop–urgently needed 400,000 hryvnias to purchase a generator. If he’d gone to a bank for this financing assistance, he would’ve had to wait at least a month. However, thanks to our built-in financing model, he was able to purchase equipment on the same day and resume work without stopping business,” says Maksym Kushnaryov, Activitis shareholder.

Kostiantyn Zhukovskyy and Maksym Kushnaryov are developing Activitis with a focus on micro, small and medium-sized businesses — a segment that often needs fast, clear and flexible financing. The company has built its operating model so that businesses can quickly raise funds and use them for development.

At the center of this model is the idea that access to financing shouldn’t complicate the path to entrepreneurship, rather that it should help businesses to quickly grow and scale. 

A few years ago, the idea of ​​Activitis grew out of the already familiar Buy Now Pay Later model. But over time, the company's shareholders changed the very logic of the approach: for a business, it's not just about the ability to buy now and pay later, but about the ability to grow now and pay when it suits its business model. This is how the concept of Grow Now Pay Later appeared.

Through its embedded finance model, Activitis gives entrepreneurs access to working capital that works not as a temporary cash gap bridge, but as a resource for development, procurement, and scaling.

Less than an hour and 30 minutes to make a decision

The author of this article first spoke with the Activitis team at the end of 2024. One of the elements that attracted attention at that time was the speed of decision-making: at that time it was 30 minutes, and the transaction took only 1 hour and 57 minutes.

“This is from the moment the application is received to the moment the client receives the funds. This is extraordinary speed,” said Kostiantyn Zhukovsky, founder of Activitis. “Now we have become even faster,” he adds.

It seems that the slogan “becoming a better version of yourself every day” at Activitis has delivered practical results: this year’s record is 42 minutes. That’s how long it took for a business, not an individual, to receive tens of thousands of dollars in funding.

It is around this logic that the company's shareholders build their model: micro and small businesses should receive financing quickly and without unnecessary bureaucracy. To this end, the company creates a fintech infrastructure of embedded finance, in which financial solutions become part of familiar business processes and provide the most seamless experience for the user.

"Embedded finance is the answer to the need: to expand your business now by purchasing everything you need. Today, we are the first and only in Ukraine to satisfy this need in the B2B segment," emphasizes Maksym Kushnaryov, a shareholder of Activitis.

It’s important to note that Activitis is not a bank and does not attract other people's funds to finance the business. Shareholders fully provide their own capital, demonstrating that this is a business built on trust and willingness to take responsibility. Like every entrepreneur at such a time in Ukraine, they risk their own funds.

The company manages to achieve such results despite a full-scale war. Activitis continues to scale, launch new tools and strengthen the financial infrastructure for Ukrainian business.

Повний матеріал читайте за посиланням: https://united24media.com/business/activitis-builds-fintech-infrastructure-for-ukrainian-business-during-wartime-19947