Peer-to-peer lending is a direct form of lending money to individuals or businesses without the involvement of a middleman- like banks or 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.
Finja Invest is Pakistan's first peer-to-peer Digital Lending Platform, licensed & regulated by SECP. We connect the new-age investors to the creditworthy local karyana Stores in need of stock financing. And in return, we offer up to 20% annual returns to the investors & easy short-term loans for stock purchase to the borrowers. Learn more about us
Any Pakistani citizen with a valid CNIC can invest with Finja Invest.
As with any lending program, there are some risks involved in P2P lending as well, such as the borrower doesn't repay in time. At Finja Invest, we keep the risk to a minimum by ensuring that every borrower in our portfolio is identity-checked, credit-checked, and risk-assessed as per best industry standards and have an immaculate and transparent track record to the best of our record. In case of delay in repayment of loan, Finja’s collection experts engage the customer ensuring timely payment of loans.
Finja Invest is licensed and regulated by the Security Exchange Commission of Pakistan (SECP) to work as a domestic P2P lending platform. Finja shares fortnightly stats (loan information) with SECP in an effort for complete transparency.
Investing in peer-to-peer (P2P) lending is a great way to boost yields and diversify your investment opportunities. P2P lending is an alternative asset that offers attractive, absolute and risk-adjusted returns, even in today's low-interest-rate environment. However, similar to all types of investments, this too carries certain risks, mostly are related to delayed repayments of loans but we have secured this by enabling investors to sell their loans; e.g. in case your respective investment in terms of loans to Karyana Stores is not paid in time, you will have an option to sell this loan however in such a situation, the earnings from Late Payment Charges will not be part of your investment returns. Learn more.
Finja Invest is a peer-to-peer lending platform for creditworthy borrowers and fixed-income investors to get a better deal. Part of the attraction is that it can provide better rates and returns without the infrastructure cost and complexity of a traditional bank or deposit-taking institution. This is briefly explained in Comp-scan with other such investment opportunities available in the country.
If the borrower defaults, the investors through a written digital consent reserve the right to sell the loan back to Finja Invest after 7, 15, and 30 days of maturity date depending on the loan duration the investor selected while investing and get the principal amount back. This option secures the investors from default.
The loan buyback feature allows the investors to sell their loans back to Finja Invest, in case the borrower defaults.
For weekly loans, you can sell your loans back to Finja Invest after 7 days of the loan maturity.
For fortnightly loans, you can sell your loans back to Finja Invest after 15 days of the loan maturity.
For monthly loans, you can sell your loans back to Finja Invest after 30 days of the loan maturity.
Finja Invest allows the investors who under any unforeseen circumstances want to encash the invested amount before the maturity date to liquidate their investments with minimum penalty charges.
There are no registration charges; sign up
for free and start investing!
The investments made in Finja Invest are secure and will be repaid to the investors if, under any unforeseen circumstances, Finja Invest shuts down its operations.
Finja Invest is a subsidiary of Finja Lending Services Ltd., which is a Lahore-based Non-Banking Financial Institution (NBFI), licensed to operate its business by the SECP.
The rate of return (RoI) is the percentage of the profit the investor earns when investing.
Diversification is a risk management strategy that involves spreading your money across a wide variety of investments within a portfolio. The rationale is that a portfolio constructed of different kinds of assets will, on average, yield higher long-term returns and lower the risk of any individual asset.
Finja Invest puts its own skin in the game, meaning we invest alongside every investor in an 80/20 share. We make money the same way as our investors.
Finja Invest's web application is RSS certified and follows the HTTPS protocols to ensure secure data transmissions. While the transactions are WCAG compliant as well as protected using 3DS Authentication, guaranteeing maximum security. Click here
to know more.
Finja Invest is an individual investment platform, which means the investors individually fund the businesses and share the profit or loss.
To start investing with Finja Invest, please follow the mentioned steps;
as an investor. Fill the KYC form; upon successful verification of your account you can start investing.
2. Add Money:
Choose “Add Money
” from the dashboard, add your desired amount through bank transfer or via Debit/Credit card.
3. Select a business to invest in:
Select the business (Karyana Store) using our map or list view, which matches your investment terms.
your desired amount and watch it grow.
It is between PKR 1,000 to PKR 500,000 depending on the portfolio offered the day you choose to invest.
You can earn up to 1.6% per month (30 Days) and up to 20% per annum on the invested amount, depending upon Filer/Non-filer category. In case of Filer, this return decreases to 1.36% per month, whereas in case of Non-filer, it decreases to 1.12% per month.
You can add funds to your Finja Investment Account either by Bank Transfer or by Debit/Credit Card transfer. Learn more
The minimum Investment time for Finja Invest is from 7 Days to one month (30 days).
No, you can not. You’ll have to wait for the maturity of the investment, as stated above.
Finja Invest is currently working with the MSMEs (Micro, Small & Medium Enterprises), predominantly Karyana / Retail Stores.
When a borrower misses a payment, Finja Invest adds the late fee to the outstanding balance, which increases the following month. The investor will get 50% of the late payment charges if the investor does not sell the loan. Finja's collection specialist will keep pursuing the borrower and will only book a loss as per SECP regulations.
The invested amount and the returns will be added to your Finja Invest Account and displayed in your dashboard.
You can take out the added amount from your Finja Invest Account before investing it further. But once your amount is invested, you can not withdraw or cancel the investment before the end of the investment period.
Your invested amount, along with the profit and all other account details, will be displayed in your Finja Invest Account Dashboard.
Finja Invest never lends any amount (cash) directly to the borrower (Karyana / Retail Stores); instead, Finja Invest lends closed-loop loans that means the invested amount is directly disbursed to the distributor against the stock the borrower (Karyana / Retail Store owner) purchases. Moreover, the investor has the option to sell the loan to Finja making it completely secure.
Finja Invest is currently working with investment-seeking SMEs- mainly the Karyana stores- operating for at least one year and should qualify the internal and external verifications by Finja Invest.
The maximum loan amount is PKR 1 lac (Pak Rupees 100,000) for the borrowers.
Finja Invest is offering 7, 15, and 30 day loans to the borrowers.
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