Finja Invest - About Us

Who are we?

The first digital peer to peer lending platform of Pakistan, Finja Invest aims to connect investors with SMEs to build passive income streams and achieve higher financial prosperity.

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We are Finja

Founded as a mobile wallet in 2016 by tech veterans Qasif Shahid, Monis Rahman, and Umer Munawar, Finja has since then evolved into a digital lending platform with a focus on micro SMEs (mainly grocery stores) and salaried professionals, offering them a variety of lending and payments services.

After 4 years, Finja is the only fintech company in Pakistan with two licenses namely, the E-money and NBFI, regulated by State bank Pakistan and SECP respectively.

Qasif Shahid

CEO & Co-Founder

Umer Munawar

COO & Co-Founder

Monis Rahman

Chairman & Co-Founder

Revolutionizing lending in Pakistan

After thorough effort to provide real-time digital credit and payment services to the most underserved segments of the country, the company evolved tremendously in a short period and discovered that the Karyana Stores were perhaps the most neglected yet promising businesses. Hence, they deserve the same funding opportunities that the corporations receive.

During the allocation of real-time digital credit to more than 5000+ Karyana stores, Team Finja had an epiphany and therefore brainstormed Finja Invest into execution.

The ideology behind Finja Invest was to bring the SMEs (Karyanas) at par with the corporations while allowing the hard workers to invest their money smartly and earn higher returns.

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Backed by some of the best

Finja has attracted some of the most sophisticated and best financial investors, including ICU Ventures, BeeNext, Vostok Emerging Finance, Quona Capital, HBL, and Gray MacKenzie Engineering Services, a Descon company. The company has closed a $10 million series for its lending platform in recent times.

Our Values

The Dream Team

We hire some of the most experienced professionals in Pakistan to provide the best outcome for you. Our team now offers a secure and reliable platform for easy and accessible investment opportunities.


One of our aims, is to indulge in actions which promotes adequate transparency among our partners. Furthermore, we also only team up with those SMEs which, have the brightest of futures.

Democratising Investing

We want to challenge traditional investing, and connect borrowers to investors. Their common interest gives us the motivation to work harder and make a difference. A small step today is a big change for tomorrow.

Our Team

Kamran Zuberi

Zain Bhatti

Zain Javaid

Rubab Zahra

Muhammad Ali

Jawad Amjad

Basit Ali

Ali Hayder

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 under the sandbox 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 who wants to maximize their investments and earn promising returns.

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