Finfra

FINFRA operates in the embedded finance sector, providing non-financial companies with the tools to offer lending services directly to their customers. The company serves a diverse range of clients, including retailers, logistics firms, and HR departments, enabling them to offer flexible loans, salary advances, and Buy Now Pay Later (BNPL) options. FINFRA's business model revolves around a modular pricing structure, where costs depend on the specific services and monthly credit volume required by the client. The company generates revenue through these service fees and interest rates, which are set in compliance with regulatory requirements.

FINFRA's core product is a built-in lending experience that integrates seamlessly at the point of sale, empowering businesses to provide credit options to their customers. This includes logistics finance for driver partners, e-commerce credit for retailers, and salary advances for employees. The company also owns danabijak PT Digital Micro Indonesia, a subsidiary with a permanent fintech license from the Financial Services Authority (FSA), which focuses on underserved individuals and businesses.

The onboarding process is designed to be quick and efficient, with compliance reviews and development team collaborations ensuring a smooth launch. FINFRA's underwriting models are more inclusive than traditional banks, capable of assessing a broad range of applicants, including those without social security numbers or credit history.

Keywords: embedded finance, lending solutions, point of sale, e-commerce credit, salary advances, BNPL, logistics finance, fintech, compliance, modular pricing.