Company profile
Monigo.lk
- Status
- Not on CBSL registerConfirmedSource:Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00221752 on 2026-06-22; accessed 2026-06-22
- Registered entity
- S F Group (Private) LimitedConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; monigo.lk site pages, accessed 2026-06-22
- Registration no.
- PV00221752ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; monigo.lk site pages, accessed 2026-06-22
- Parent / group
- SF Capital SG PTE. LTD / Sun Finance Group, Singapore / LatviaReportedSource:monigo.lk about/footer pages, accessed 2026-06-22; Sun Finance Group Consolidated Annual Report for the year ended 31.12.2024, signed 2025-06-27, accessed 2026-06-22; Sunday Times, "Online loans trap borrowers in cycle of unregulated debt", 2025-03-23, accessed 2026-06-22
- Aliases / sister apps
- Fino (same registered entity, PV00221752)ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)
What they advertise
Marketing claims are shown as the lender's claims, with confidence labels and citations.
Online loan service marketed for quick cash in Sri Lanka
ConfirmedSource:monigo.lk site pages, accessed 2026-06-22Loan requests can be made through the platform or by voice call
ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22Borrowers receive an SMS verification code used as electronic acceptance
ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22
What the fine print says
Each claim is paired with the documented reality or the current placeholder evidence.
Advertised claim
Lowest interest / 0% first loan
Fine print reality
Cost is loaded into a service fee under Monigo's T&C. The only numeric SF Group service-fee example available in this repo is Fino's same-operator loan at 52.8% of principal for the term, so that figure is not stated as Monigo's standard rate.
monigo.lk T&C (SF Group terms); cf. Fino Agreement 31923406510
ReportedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)Advertised claim
Short, simple 30-day loan
Fine print reality
Extensions of 7, 14 or 30 days are offered for additional fees; the SF Group model charges extension fees as a percentage of principal.
monigo.lk (extensions)
ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22Advertised claim
Private and secure
Fine print reality
T&C permits disclosure/transfer of borrower data to third parties within or outside Sri Lanka and contacting references.
monigo.lk T&C (data clauses)
ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22Hard to find
Ownership, licensing, cost, permissions, and other buried facts that matter to borrowers.
Same company as Fino
Monigo and Fino are both operated by S F Group (Private) Limited (PV00221752). A borrower repaying one 'competitor' by borrowing from the other is borrowing from the same operator.
ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)Ownership chain
Monigo's footer says S F Group is a subsidiary of SF Capital SG PTE. LTD in Singapore; Monigo's about page says S F Group is part of Sun Finance Group in Latvia; Sun Finance's annual report lists SF Capital SG as a group entity. The ownership chain is therefore shown as S F Group -> SF Capital SG -> Sun Finance Group, with the lender self-published link treated as reported.
ReportedSource:monigo.lk about/footer pages, accessed 2026-06-22; Sun Finance Group Consolidated Annual Report for the year ended 31.12.2024, signed 2025-06-27, accessed 2026-06-22; Sunday Times, "Online loans trap borrowers in cycle of unregulated debt", 2025-03-23, accessed 2026-06-22Regulatory status
S F Group (Private) Limited was not found on CBSL's Licensed Finance Companies list or Registered Finance Leasing Establishments list when searched by entity name and registration number PV00221752 on 2026-06-22. This records register absence only; it is not a legal conclusion about whether the app is required to hold that licence.
ConfirmedSource:Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00221752 on 2026-06-22; accessed 2026-06-22Access to contacts / references
Stated as references the lender may verify and contact.
Enables pressure on third parties; a legitimate personal loan does not normally require contacting references or an employer. A current app-permission audit was unavailable in the repo.
ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22
Per-app fee calculator
ReportedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19) used only as same-operator comparator for the numeric service-fee exampleMonigo.lk cost check
This lender has conflicting or incomplete public fee data, so the per-app calculator is not shown for it.
- Why this is not calculated
- monigo.lk Terms & Conditions, accessed 2026-06-22 confirms a service-fee model, but no current Monigo numeric fee schedule was located; Fino's 52.8% same-operator figure is comparator evidence only and is not used as Monigo calculator input
Late-payment fees apply under Monigo's Special Terms; the public T&C states the amounts are set in Special Terms and were not located as a current public numeric schedule.
Score breakdown
The overall score is calculated from these per-dimension values.
| Dimension | Score | Evidence |
|---|---|---|
| Pre-contract cost transparency | 1/4 | The T&C says the total amount due and service fee are set in the Special Terms at agreement conclusion. No repo-local app-flow footage was available, so stronger pre-commit display is not credited. ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22 |
| Rate-disclosure honesty | 1/4 | The public T&C confirms a service-fee model, but the current numeric service-fee schedule was not found in public Monigo pages; the documented 52.8% figure belongs to a Fino loan from the same operator, not a confirmed Monigo standard. ReportedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19) |
| Consent / confirmation flow | 1/4 | The T&C treats the SMS verification code as the borrower's electronic signature and allows loan requests by platform or voice call; no app-flow footage was available to confirm a clearer deliberate confirmation. ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22 |
| Data & permissions | 2/4 | T&C reserves verification calls to references and the borrower's employer, and permits third-party data disclosure. ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22 |
| Collection-threat language | 2/4 | Permits assignment of obligations and third-party recovery steps, but no documented threat, impersonation, or public shaming evidence was located in checked materials. ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22 |
| CRIB representations | 1/4 | The T&C permits reporting borrower information to credit bureaus or credit-rating agencies in default; no repo evidence establishes a lawful CRIB-listing pathway for this entity. AllegedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; CRIB rules discussed on /rights |
| Licensing transparency | 2/4 | Discloses entity + registration (PV00221752); CBSL finance-company licensing status not stated; does not disclose that it shares the entity with Fino. ConfirmedSource:monigo.lk Terms & Conditions, accessed 2026-06-22; Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00221752 on 2026-06-22; accessed 2026-06-22 |
Terms Tracker
Chronological snapshots of the terms and a diff against the previous snapshot.
2026-06
ConfirmedSource:monigo.lk T&C (SF Group)Operator and registration confirmed from Monigo's own pages; parent chain is reported from lender pages and Sun Finance group reporting.
- operator
- S F Group (Private) Limited, PV00221752 (same as Fino)
- amountRange
- Rs 3,000–150,000
- maxTermDays
- 30
- extensions
- 7 / 14 / 30 days
- currentParentDisclosure
- SF Capital SG PTE. LTD, Singapore; Sun Finance Group, Latvia
- parentReportedBySundayTimes
- Sun Finance Group, Latvia
Baseline snapshot
This is the first recorded snapshot for this lender.
Right of reply
This company may submit a response. If a response is received, it will be published here fairly and in context.
Sources
Primary documents, lender pages, official registers, and reporting used by this page.
- Confirmed
- Confirmed
- Fino Agreement No. 31923406510 (project owner's own, 19 May 2026)primary-documentConfirmed
- Reported
- Reported
- Sun Finance homepage (accessed 2026-06-22)parent-siteReported
- Reported
- CBSL Licensed Finance Companies list (as at 27.05.2026)official-registerConfirmed
- Confirmed