Finja Invest

Earn up to 20% annual returns by investing

in stock purchase for local neighborhood stores in Pakistan

  • Peer to Peer Lending
  • Higher Returns
  • Loan Buyback Guarantee
1 month 12 months

You will get PKR 0 after 1 month excluding taxes.

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About Finja Invest

Pakistan's first peer to peer lending platform regulated and licensed by the SECP. Our mission is to uplift our local business community by building passive capital streams and achieve higher income prosperity. Since, MSMEs are the backbone of the economy, we are committed to solving their financial gap in Pakistan whilst offering convenient investment options to individuals.

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Safe Investments

Since 2016, we have built and marketed financial services to the nation's underserved segments. Now, as a regulated NBFC, Finja has been providing short-term financing to MSMEs (Karyana Stores) in partnership with leading FMCGs and has created a sustainable lending book with a negligible default rate.

Earn Higher Returns

Investing with Finja Invest can allow you to earn higher returns relative to other traditional investment opportunities in Pakistan.

Loan Buyback Guarantee

If the investor is expecting a default from the borrower, they can sell their loans back to Finja Invest after the maturity period and get the principal amount back.

Handpicked borrowers

Our Data tracking and Risk Assessment is built on top of advanced Artificial Intelligence (AI) and Machine Learning (ML) algorithms that consider over 100+ data points allowing you to access our prime borrowers that have a satisfactory repayment history.

Diversified Investments

Your investments can be split into multiple loans in one click. You have complete control, to select your borrowers, view their history details and invest your desired amount in as many businesses as you want.

Transparency to the Core

We have made our process as straightforward and transparent as possible, so that you are always aware of your money.

Stock Financing

Finja never disburses money directly to the ‘borrower’. Instead, your invested amount is disbursed to the distributor against the stock the ‘borrower’ (Karyana Store) is purchasing.

P2P Lending

Peer to peer lending platforms connects the new-age investors to the creditworthy borrowers and in return offers easy loans to the borrowers and high returns on investment to the investors.

Premature Encashment

Finja Invest allows the investors to liquidate their investments anytime they want with minimum penalty charges.

We have been supporting thousands of local businesses since our inception

  • Lent to Local Business


  • Bad Debts


  • Retailers We have Supported


  • Cities


Start investing
in 3 simple steps

Get Started

Open your investment account using your details.

Add Money

Add money to your account using bank transfer or via card.


Choose a business and invest your desired amount.

We take care of your investments

Closed-Loop Lending

Finja Invest never lends the invested amount directly to the borrower (Karyana Stores) instead lends closed-loop loans that means, the invested amount is directly disbursed to the distributor against the stock the borrower purchases.

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We take care of your investments

Trusted Platform

Finja is NBFC- P2P registered with SECP. We have a time-efficient management with sound business processes to allow complete transparency to our borrowers and investors.

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We take care of your investments


Finja has a thorough procedure of loan agreements, post-dated cheques, stamp paper and so on to certify that documentation has been finalized and is legal.

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We take care of your investments

Follow up & Recovery

Our compliance team has a strict policy and vigorous recovery process, comprising of our call center and field visits by our internal verification. We are in partnership with FMCGs and distributors such as P&G, Reckitt Benckiser. Therefore, if any shop owner fails to repay the loan, their stock inventory gets blocked until further notice. Furthermore, late penalties are charged in case of late payment, which will be transferred to your verified bank account along with your returns.

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We Manage Your Risk

In today’s world, earning higher returns requires investors to become comfortable in taking some risks. When it comes to peer-to-peer lending, probably one of the most significant risks is that some businesses or individuals may not be able to pay you back, to mitigate this factor, all the loans offered at Finja Invest are verified and comes with a Loan Buyback facility, which means that the investors reserve the right to sell their loans back to Finja Invest if they expect the borrower to default. The loan buyback feature can be availed by the users after 7, 15, and 30 days of the maturity date depending on the loan duration they have selected while investing.
Learn More | Terms & Conditions

We invest alongside you

"We’re fully committed to digitizing the complete
supply-chain ecosystem in the country.
Our association with SECP will serve as
a precursor to grow the country’s
most important segment"

Qasif Shahid

CEO & Co-Founder (Finja)

Umer Munawar

COO & Co-Founder (Finja)

Monis Rahman

Chairman & Co-Founder (Finja Inc.)

We have been in the news!

For better returns, choose Finja Invest

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Frequently Asked Questions

Peer-to-peer lending is a direct form of lending money to individuals or businesses, without the involvement of a middleman, like banks and other traditional financial institutions. The P2P process is simple; through an online platform, you can lend to as many eligible borrowers as you want, depending on your risk appetite.
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Finja Invest is Pakistan’s first P2P lending platform, licensed and regulated by the Securities and Exchange Commission of Pakistan (SECP). Finja Invest connects the investors to the SMEs (Karyana stores) in need of finances and in return offers short-term loans to the Karyana Stores and a promising return on investment to the lenders. Learn more about us.
Any Pakistani citizen with a net-worth of at least PKR 15 million, who wants to maximize their investments and earn promising returns.

Got more questions? Head to our frequently asked questions page for more answers.