Finfra

Embedded Lending Infrastructurefinfra.io

Company typePrivate
Founded2022
HeadquartersJakarta, Indonesia
Headcount11–50
GTM typeB2B
OfferingSoftware

Finfra firmographics

Firmographics

Name: Finfra
Legal name: Finfra Tech Holdings Pte Ltd.
Website: https://finfra.io
Company type: Private
Founded year: 2022
Operating status: Operating
Headcount range: 11–50 employees
Ownership category
akta.pro rank

Finfra industry classification

Industry

Product category: Embedded Lending Infrastructure
NAICS: Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)
SIC: Finance Services (6199), Short-Term Business Credit Institutions (6153)
akta.pro primary industry: Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
akta.pro secondary industries: Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

Embedded lending infrastructure
Lending API platform
White-label credit products
Embedded finance APIs
Invoice and payroll financing

Where Finfra is headquartered

Location

Headquarters

HQ city: Jakarta
HQ country: Indonesia
HQ region: Asia

Offices1 record

Markets served

Finfra business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

Embedded Lending Infrastructure: Finfra generates revenue by providing embedded finance infrastructure to technology companies. The platform enables businesses to offer credit products through white-labelled APIs, with pricing dependent on modules required and monthly credit volume processed.

Pricing tiers

Model	Billing	Price
Other	Monthly	Module-based pricing tailored to business requirements

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Finfra product offering

Product offering

Core offering

Finfra provides an API-first embedded finance infrastructure that enables non-financial technology companies to integrate credit and lending products (invoice financing, payroll financing, and working capital financing) into their platforms. The platform handles licensing and compliance (via its FSA/OJK-licensed subsidiary danabijak), payment processing, ledger and accounting, and underwriting/credit scoring, allowing partners to deploy white-labelled lending products within approximately six weeks without obtaining their own lending licenses.

Product overview

Finfra is an embedded finance platform enabling businesses to become fintech businesses by embedding credit and lending products. The platform architecture consists of the core Finfra Embedded Lending Platform providing end-to-end infrastructure (application processing, decisioning, and operations), supported by three core lending products: Invoice Financing (instant supplier invoice settlement), Payroll Financing (early wage access via payroll apps), and Working Capital Financing (installment-based inventory purchasing). The subsidiary danabijak (PT Digital Micro Indonesia) holds the FSA fintech license and provides the underwriting models that power the platform's credit scoring capabilities.

Differentiator

Problem solved

Functional benefit

Brands

danabijak: A fintech lending platform operated by PT Digital Micro Indonesia, Finfra's subsidiary, providing credit and financial services to underserved individuals and businesses with a permanent license from Indonesia's FSA (OJK).

Products and services

Finfra Embedded Lending Platform Core API-first infrastructure platform enabling technology companies to embed financial services including credit and lending products through seamless integration. Provides end-to-end capabilities from application processing to decisioning to operations, with approximately 6-week rapid deployment, and is licensed by Indonesia's FSA.
Invoice Financing Enables suppliers to receive instant settlement of invoices, allowing businesses to offer early payment options to their supply chain partners.
Payroll Financing

Quantifiable outcome

$50M+ in disbursements processed
+2 more outcomes

Companies that use Finfra

Customer profile

Named customers3 records

Segments5 records

Ideal customer profiles1 record

Finfra technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Finfra partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

danabijak (PT Digital Micro Indonesia)coreStrategic or Co-development PartnerWholly-owned subsidiary of Finfra holding permanent fintech platform license from Indonesia's FSA/OJK. Provides the underlying credit scoring and underwriting models for Finfra's embedded lending products.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Finfra competitors and assessment

Company assessment

Direct peers

Xendit: Indonesia- and SEA-leading payment infrastructure provider that has expanded into disbursements and embedded financial services for platforms. Closely comparable as an API-first BaaS infrastructure layer serving Indonesian digital businesses.
Atome: SEA BNPL and embedded credit provider operating in Indonesia, Singapore, and other markets. Comparable in offering white-labelled credit products integrated into merchant platforms.
Funding Societies: SEA digital lending platform providing working capital and SME financing, including embedded-style offerings to platforms. Comparable in lending products (working capital, invoice financing) and SEA footprint.
Validus: Singapore-headquartered SME lending platform with operations across SEA, offering invoice and working capital financing to businesses and via partners. Comparable in target borrowers and lending products.
KoinWorks: Indonesian fintech providing business and consumer lending, including embedded-style credit products through partner platforms. Comparable in Indonesian market focus and lending offerings.
Kredivo: Indonesia-focused digital lending and BNPL platform offering embedded credit at point of sale via API and partner integrations. Closely comparable to Finfra in serving Indonesian merchants and consumers with digital lending products.
Akulaku: SEA-focused BNPL and consumer lending platform with deep Indonesia presence, providing embedded credit through merchant and app integrations. Directly comparable in product (POS credit, installments) and target market.

Broad incumbents

Plaid: Global leader in financial data connectivity and embedded finance infrastructure powering thousands of fintechs. Comparable as a developer-first BaaS/data layer, though broader in scope and geography than Finfra.
Stripe: Global payments and embedded finance platform (Stripe Capital, Issuing, Treasury) used by software platforms. Comparable in API-first embedded finance positioning, though operating at much larger scale and breadth than Finfra.

Regional players

Lendio: US-based small business lending platform offering loan marketplace and embedded financing to platforms (Lendio franchise). Comparable in offering white-labelled SMB/working capital financing infrastructure, though focused on the US market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Finfra compliance and trust

Trust signal

Compliance1 record

Finfra financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Finfra leadership team

Management profile

Number of profiles

Profiles11 records

Finfra subsidiaries and ownership

Company hierarchy

Subsidiaries1 record

Finfra funding detail

Funding detail

Funding overview

Funding rounds3 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Finfra M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finfra

What does Finfra do?

Is Finfra a public or private company?

Finfra is a private company. It is classified as venture growth investor backed and is currently operating.

When was Finfra founded?

Finfra was founded in 2022. It employs 11 to 50 people.

Where is Finfra based?

Finfra is headquartered in Jakarta, Indonesia, in the Asia region.

How does Finfra make money?

One revenue line is on record: embedded Lending Infrastructure.

Who are Finfra's main competitors?

Direct peers on record are Xendit, Atome, Funding Societies, Validus, KoinWorks, Kredivo and Akulaku. Broad incumbents are Plaid and Stripe. Lendio is listed as a regional player.

Does Finfra have an API?

Yes. Finfra provides APIs enabling businesses to embed credit products including payroll financing, invoice financing, and working capital financing. The API supports integration via simple endpoints with callback URLs for real-time processing. Developers can implement credit products through well-documented APIs with fields for customer data, requested amounts, terms, bank account details, and employment information. The platform supports user account balance management, payment handling, and built-in ledger and accounting systems. Developer documentation is at partner.finfra.io.

What industry is Finfra in?

Finfra's product category is Embedded Lending Infrastructure. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 52229 and its SIC code is 6199.