Empowering every business to become a fintech business
From application to decisioning to operations - FINFRA provides the necessary infrastructure and services for technology companies to embed financial services to their environment through a seamless integration.
in disbursements
325,000+
loans disbursed
6 Weeks
rapid deployment
Licensed
by FSA
Our Investors
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Invoice Financing
Enable suppliers to receive instant settlement of invoices
Payroll Financing
Allow employees to get early access to unearned wages for short term needs direct within their payroll app
Working Capital Financing
Give your business partners more buying power: offer them payment in installments so that they can purchase more inventory at better terms
Healthcare
Give patients an alternative way to pay for procedures. A built-in lending experience that can be enabled at point of sale.
Logistics
Finance fuel and vehicle maintenance of your driver partners by providing flexible loans.
E-Commerce
Empower retailers to purchase goods on credit by providing flexible repayment options.
HR Technology
Help your employees meet contingencies and consumption needs by providing salary advances and personal loans.
Merchant Accounting Apps
Help small and medium sized businesses grow by providing flexible business loans.
Lending is complex and resource intensive — We make it seamless.
We have been at the forefront of digital lending in Indonesia since the beginning. We have invested millions into our technology, underwriting stack, credit scoring and customer-service journeys.
Empower your business with our seamless credit products, increasing your customer satisfaction, retention and lifetime value within weeks.
As seen on
Seamless APIs with everything you need
License and Compliance
Licenses may take years of hard work and investment. FINFRA’s is fully licensed and can embed credit products into your environment in weeks. This saves a lot of investments and accelerates your GTM.
Payments
User account balance management and payment handling.
Ledger & Accounting
Loan management with built-in ledger and accounting system.
By developers for developers
As developers we know what makes a good API easy to use. A secure, fast, reliable system, efficient to implement and well documented.
Simple integrations
Scalable APIs
Don’t just take our word for it
Frequently asked questions
Embedded finance is when non-financial companies adopt and integrate financial services into their offering. We focus on enabling non-financial companies to lend to their customers.
danabijak (PT Digital Micro Indonesia) is a subsidiary of FINFRA that has permanent license as fintech platform from Indonesia’s FSA (‘OJK’)
Pricing depends on which modules you require, as well as monthly credit volume. For more, please contact sales@finfra.io
FINFRA’s onboarding process is streamlined to get you up and running in just a few weeks. To ensure compliance with state lending requirements, our internal team will perform a review of your product, funds flow, and compliance procedures; we promise this will be as painless as possible. From there, we do a kick off between our development teams and work with you hand-in-hand until your launch.
FINFRA’s underwriting and credit risk models are based off of those used for www.danabijak.com, a leading Fintech Lending service geared towards underserved individuals and businesses. As such, we are able to underwrite a broad range of applicant types, even those with no social security numbers or credit history.
You are free to set your own pricing, however, FINFRA may work with you on certain interest and fee limits to comply with the regulatory requirements.
Join Our Team - Your Future Starts Here
Exciting opportunities await! Explore our current job openings and become part of a dynamic team that's shaping the future. At Finfra, we're not just offering jobs, we're building careers. Dive into a world of innovation, collaboration, and growth. Ready to make your mark? Discover your next professional adventure with us today!
