Finfra provides a suite of embedded lending solutions through seamless APIs, enabling non-financial platforms to offer invoice, payroll, and working capital financing directly within their applications. This integration allows businesses to enhance customer retention and increase purchasing power by facilitating flexible payment options for their users.
Funding
$4.3M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
CVFounders
Product
Problem
Many platforms lack the infrastructure to offer integrated financial services, hindering customer retention and limiting purchasing power for their users. Building and maintaining lending infrastructure is complex, resource-intensive, and requires navigating licensing and compliance hurdles.
Solution
Finfra provides a suite of APIs that enable non-financial platforms to offer embedded lending solutions, such as invoice, payroll, and working capital financing, directly within their applications. These APIs allow businesses to provide flexible payment options to their users, increasing customer satisfaction, retention, and lifetime value. Finfra handles user account balance management, payment processing, and loan management with a built-in ledger and accounting system. By using Finfra's APIs, businesses can launch and scale white-labeled credit services within weeks, avoiding the significant investment and time required to develop their own lending infrastructure.
Target Audience
Finfra primarily serves digital supply chain platforms, agtech companies, merchant e-commerce platforms, healthcare providers, logistics companies, HR technology providers, and merchant accounting apps.
Features
- Seamless APIs for integrating invoice financing, payroll financing, and working capital financing into existing platforms
- License and compliance management, reducing the time and investment required to launch lending products
- User account balance management and payment handling
- Loan management with a built-in ledger and accounting system
- Underwriting and credit risk models based on data from a leading Fintech Lending service
- Portfolio analytics to monitor performance and key lending KPIs
- Customizable interest and fee limits to comply with regulatory requirements