Finja review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Finja lends to registered retailers and MSMEs, paying the supplier at goods delivery rather than putting cash in your account, which suits anyone whose profit is tied up in stock. The line is capped at PKR 50,000 and repaid over 0.23 to 1, with no origination fee stated.

Key facts

Best for
Stock finance for registered retailers and MSMEs whose supplier settles at the point of delivery.
Loan amount
PKR 50,000 (Source, checked September 26, 2026)
Term
0.23 to 1 month (Source, checked September 26, 2026)
Arrangement fee
No origination fee stated; repayment collection channels free (IBFT, Finja Wallet, cash deposit, dedicated collection officer), courier visit Rs. 100 (Source, checked September 26, 2026)
Funding time
Loan amount paid directly to the supplier against the invoice at goods delivery, via the Finja app (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Retailers and MSMEs registered on the Finja retailer app with a smartphone and Finja Wallet; no age or residency rule stated (Source, checked September 26, 2026)
Loan types
Business, Credit-line (Source, checked September 26, 2026)
Legal entity
Finja Lending Services (Pvt) Ltd (SECP registration number 0141520, NTN 6643739) (Source, checked September 26, 2026)
Headquarters
Pakistan (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Credit line
Official website
finja.pk

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • No origination fee stated, and repayments by IBFT, Finja Wallet, cash deposit or a collection officer are free.
  • The amount reaches the supplier against the invoice, so stock is funded without cash in your account.
  • A credit line priced on a fixed rate, with terms of 0.23 to 1 that suit a fast stock turn.
  • Finja is a direct lender, and the products cover business loans alongside the credit line.

Cons

  • Repayment windows are short: 0.23 to 1 is the whole range, so a slow stock turn ties up the line.
  • The facility stops at PKR 50,000, which puts a hard ceiling on any single purchase.
  • Help runs on phone and email only, thin cover if a repayment date slips.

Ready to try Finja?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Retailers and MSMEs buying stock who can have each invoice settled at the point of delivery.
  • Operators who can turn stock quickly, since the whole facility runs on 0.23 to 1.
  • Operators who would rather keep cash out of the buying cycle, since the amount goes to the supplier.

Who should look elsewhere

  • Private borrowers, since the credit follows supplier invoices for registered retailers and MSMEs.
  • Anyone after personal credit abroad: Vivus ES runs amounts of €50 to €1,400 and Plazo ES €500 to €5,000, below PKR 50,000.
  • Businesses wanting a long repayment stretch, because 0.23 to 1 is all the time available.

How your money is protected

Finja is a direct lender, so the lender, the app you apply through and the credit decision sit with one company. It is licensed by the Securities and Exchange Commission of Pakistan, License and Registration Division, under SECP/LRD/43/FLSL/2022-82. Check that number against the register, then size the facility to a single stock cycle rather than a season of buying.

How Finja compares

Where Finja is available

Available
Pakistan
Licence in Pakistan
Securities and Exchange Commission of Pakistan (SECP), License and Registration Division (SECP/LRD/43/FLSL/2022-82), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What fees does Finja charge on a business loan?+

Finja states no origination fee, and repayment is free through IBFT, Finja Wallet, cash deposit or a collection officer. A courier visit is the only charge named. The rate is fixed, so the cost of credit does not drift with market rates.

How much can Finja lend me?+

Credit is sized against the supplier invoice rather than as a cash loan, and the ceiling is PKR 50,000. Repayment runs 0.23 to 1, so the balance has to clear quickly for the facility to make sense. Treat it as stock finance, not as general-purpose credit for the business.

Where does the money actually go?+

The amount is paid straight to the supplier against the invoice when the goods arrive, not into your own account. The product is built as a credit line, so each purchase stays attached to its own invoice. Everything runs through the app.

Who can apply for Finja credit?+

You need to be a retailer or MSME registered on the Finja retailer app, with a smartphone and a Finja Wallet to receive and repay. No minimum age or residency condition is stated, so your trading record carries the decision.

What does Finja lend for?+

The products are business loans and a revolving credit line built around supplier purchases. It is aimed at trade rather than personal borrowing, so you need a registered business and a supplier willing to be paid at delivery. Consumers after a personal loan will not find one here.

How do I make repayments?+

Repayment is free through IBFT, Finja Wallet, cash deposit or a dedicated collection officer, so the channel you already use costs nothing. A courier visit is charged separately. If a payment date is going to slip, call first, since support runs on phone and email.

How quickly is the credit paid out?+

Speed here means the payment follows the delivery: the amount reaches the supplier when the goods arrive, not after a long approval wait. Repayment by courier is offered for a fee if a doorstep visit suits you better than a bank trip. Terms run 0.23 to 1.

Sources

  • finja.pk checked September 26, 2026

    Backs: Lender type

    “With our NBFC and Peer-to-peer lending license from the Securities and Exchange Commission of Pakistan (SECP) ... a pioneering Peer-to-Peer financing model through Finja Lending Services”

  • finja.pk/b2b checked September 26, 2026

    Backs: Loan types, Rate type

    “MSMEs Get instant capital to purchase additional inventory ... B2B Loans ... Evergreen Credit Line”

  • finja.pk/collection_charges checked September 26, 2026

    Backs: Arrangement fee

    “Inter-bank Funds Transfer (IBFT) via ATM/online/digital to Finja's designated partner bank accounts (Meezan Bank, Bank Alfalah, Finca Microfinance Bank, Finja EMI) - Free; Finja partner courier...”

  • finja.pk/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “OFfice # M-E01, CP83, Raya Fairways Commercial, DHA Phase-6, Lahore”

  • finja.pk/corporateinfo checked September 26, 2026

    Backs: Legal entity, Licences

    “About Finja Lending Services ... License Number: SECP/LRD/43/FLSL/2022-82; License Status: LIVE/Commercial; Registration Number: 0141520”

  • finja.pk/evergreen checked September 26, 2026

    Backs: Features

    “Evergreen Credit Line - Instant source of credit to keep your business running; the client may access the credit line again as soon as they have replenished it in its entirety i.e. at the end of the...”

  • finja.pk/karyana checked September 26, 2026

    Backs: Loan amount, Eligibility, Funding time, Term

    “This facility will initially be available for credit of up to PKR 50,000”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Finja

Stock finance for registered retailers and MSMEs whose supplier settles at the point of delivery.

8.9/10See alternatives

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