Finja

Finja is a financial services platform based in Pakistan that serves small merchants such as karyana (grocery) shops, SME businesses and individual investors, addressing gaps in credit access, digital payments and collections for Pakistan’s informal retail economy. The company holds an NBFC and peer-to-peer lending license from the Securities and Exchange Commission of Pakistan.

The platform combines MSME lending — including inventory financing, B2B loans and evergreen credit lines — with a digital wallet, corporate cards, invoice and collection tracking, payroll processing and HRMS tools. Finja partners with banks such as FINCA, HBL, EasyPaisa and Meezan Bank to extend credit and payment services to merchants and SME customers.

1. MSME lending: Provides inventory financing, B2B loans and evergreen credit lines for merchants and SMEs.

2. Peer-to-peer investing: Finja Invest lets individual investors fund SME loans under an SECP-licensed P2P model.

3. Digital wallet: The Finja App offers merchants and consumers a mobile wallet for everyday transactions.

4. Payments and collections: Businesses issue invoices and track collections through the platform.

5. Payroll and HRMS: Corporate customers manage payroll disbursement and HR operations through built-in tools.

6. Banking partnerships: Integrates with FINCA, HBL, EasyPaisa and Meezan Bank to extend financial services reach.