Finja Invest - P2P Lending

Unlock a new way to invest in Pakistan

What you need to know about Peer-to-peer lending from the get-go

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What is peer-to-peer lending?

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

Who are the investors?

In Peer-to-peer lending, anyone who wants to maximize their gains can be an investor. Ready to invest?

Who are the borrowers?

Any individuals or businesses looking for loans can be potential borrowers in Peer-to-peer lending.

How it works?

Lenders invest their money in P2P Lending Platform.

The money is lent to the selected businesses/individuals.

The borrower uses the money to grow their business.

The investors earn a promising return.

The borrower returns the amount, after the investment period.

Investors can re-invest or withdraw their funds.

You might want to know

Interest Rates

P2P lending can provide higher returns than savings and other investments. It’s a great way to diversify your portfolio and significantly boost yields.

Return of Capital

The platform operator collects borrower’s repayments and passes them on to investors at set intervals. You may get your capital back via repayments, or at the end of the loan period.

Lending Risk

Whenever a borrower applies for a loan, it is mandatory for all lending platforms to practice a vigorous screening process over 100 data points verified by experts.


The platform operator looks after the privacy user information.

Laws & Regulations

Finja Invest is Pakistan’s first Peer-to-peer lending platform licensed and regulated by the Securities & Exchange Commission of Pakistan.

Better Investment Asset

Based on a simple idea of lending and borrowing, Peer-to-peer Lending platforms use cutting-edge technology to connect borrowers looking for a quick capital injection to lenders looking to maximize their gains. Peer-to-peer lending platforms offer higher net returns in shorter time durations than any other investment asset.

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.