How Profitable Is A Money Lending Company? (Updated for 2024)

Updated: June 14th, 2024
Start A Money Lending Company

How Profitable Is A Money Lending Company? (Updated for 2024)

So you want to start a money lending company?

And the first question that came to your mind was, “well, are money lending companies actually profitable?”

Especially considering:

There’s money to be made. Don’t worry.

But, I don't want to spoil it all. Below we’ll cover everything you need to know when it comes to the profitability of a money lending company.

Let’s dive in!

Is a money lending company profitable?

Yes, a money lending company is generally a profitable business. However, you still need to consider several factors since these things always impact the overall outcome.

For instance, since average revenue is $243M per year with an estimated gross margin of 47%, you could expect to recover your investment within 12 months or even less.

But of course, it all comes down to how much you earn compared to the potential revenues of your money lending company.

To determine whether your business is profitable, you should earn more than your expenses in the beginning months. However, while you're in your first month, it can be challenging to know what to expect.

Therefore, you should maintain a record of your monthly expenses and income to determine whether you're meeting your goals. By doing this step, you can see how your money lending company is doing and if any changes or adjustments need to be made to enhance or maintain your efforts.

Is a money lending company worth it?

If you’re wondering if a money lending company is worth it, the answer is a big YES. With money lending companies, you have the potential to earn $243M per year (this is based on data reported by real founders).

Further, you could have your initial investment back within months. Simply put, it’s a business worth a shot, especially if you have the resources and make the necessary efforts to achieve or surpass the target.

With a market size of $, it will be possible for you to build something that grows and turns into a flourishing business. As such, it’s the type of business you might want to consider starting.

Of course, you must learn and understand every aspect of running a money lending company to ensure success. Still, as long as you have the initial investment and can endure a few months before your actual gains, this business could be worth it.

You might want to consider reading more specifics about successful money lending companies case studies.

Examples Of Profitable Money Lending Companies

Here are a few examples of profitable money lending companies, and a few more details about them:

1. Parcela Ja ($288K/year)

Miguel Quintas came up with the idea for Parcela Já after seeing people in Israel pay for groceries with pre-dated checks. He wanted to automate the process with payment cards, and after 12 years, he finally launched the business in Europe. Today, Parcela Já has 400 retail shops in Portugal and is looking to scale up and expand internationally.

Is it profitable? Yes
What's the gross margin? 30%
How much money it makes: $288K/year
How much did it cost to start: $1M

How I Launched A $24K/Month Instalment Payments Service

Miguel Quintas launched a "Buy now. Pay later" business called Parcela Já, offering up to 12 interest-free installments for end consumers, which now has over 400 retail shops using the system and thousands of transactions.

Miguel started Parcela Ja about 6 years ago
Miguel grew the business to $24K/month
It cost Miguel $999999 to start the business
Read by 4,968 founders

Learn more about starting a money lending company:

Where to start?

-> How to start a money lending company?
-> How much does it cost to start a money lending company?
-> Pros and cons of a money lending company

Need inspiration?

-> Other money lending company success stories
-> Examples of established money lending company
-> Marketing ideas for a money lending company
-> Money lending company slogans
-> Money lending company names

Other resources

-> Money lending company tips

How much can you make with a money lending company?

With a money lending company, you can make an average of $243M revenue per year (based on data reported by real businesses).

You can start with an initial investment as low as $10,000. Then, with proper knowledge and sustained effort, you could have an ROI (return of investment) within 12 months.

How much does a money lending company make a week?

Based on our data, average revenue for a money lending company ranges around $5.05M. As such, you could see monthly revenue if $20.2M.

To know if your money lending company achieves the weekly profit target, you need to keep track of the total earnings you get per day. Afterward, you'll want to consider subtracting the expenses you have daily.

Learning your weekly profit can also show whether you're hitting your target goal for your money lending company.

How much do money lending companies owners make?

The income of a money lending company owner can vary depending on various factors such as location, size, competition, and the owner's business skills.

But to give you some idea, the weekly revenue of an established money lending company is about $5.05M. But this can be lower or higher depending on so many factors - it's almost impossible to say exactly.

While the potential for earning a good income as a money lending company owner exists, success in this field requires a commitment to providing quality products and services and building a strong reputation within the community.

Money lending company Profit Margins

Generally speaking, a money lending company can expect profit margin of around 47%. Profit margins refer to the percentage of revenue that remains after deducting all expenses associated with running a business. In the case of a money lending company, profit margins can vary depending on various factors, such as the type and quality of products sold, the size of the store, and the level of competition in the area.

However, these figures can vary depending on the pricing strategy, inventory management, and overall efficiency of the business. To maintain healthy profit margins, money lending company owners must focus on managing costs, negotiating favorable supplier terms, and providing high-quality products and services to attract and retain customers. By doing so, money lending company owners can ensure long-term sustainability and profitability for their business.

Money lending company owner salary

The salary of a money lending company owner is an unpredictable figure. It's significantly influenced by numerous factors, including the store's location, its size, and the degree of competition. An owner of a well-established money lending company, in a prime position, might see an average weekly salary around the ballpark of $2.37M.

But it's worth noting, such numbers aren't always consistent. The earnings can vary wildly, potentially swinging by as much as 80% either way.

Achieving consistent success and maintaining a reliable income stream in this industry requires a deep commitment. It's imperative to offer high-quality products, deliver impeccable customer service, and nurture a trusted bond with the community you serve.


In a nutshell, a money lending company is quite promising if you plan on starting such. With a market size of $, you can enjoy a potential revenue of around $243M per year with a gross margin of 47%.

Considering this information, you can enjoy a return of investment within 12 months, especially if you have a monthly profit of $9.5M. Overall, the success of your money lending company also depends on your effort and knowledge about it. If you persevere with these things, you can ensure that this money lending company is profitable.

Make sure you have a proper money lending company plan and know how to get clients for your money lending company.