Jenfi
Jenfi is a Singapore-based fintech founded in 2019 that provides revenue-based financing to digital-native SMBs (e-commerce, SaaS, D2C) in Southeast Asia, with up to $200K in non-dilutive capital, automated 24-hour underwriting, and fee-based revenue tied to advance amounts.
- Company typePrivate
- Founded2019
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Jenfi does
Jenfi is a Singapore-headquartered fintech founded in 2019 that provides revenue-based financing (RBF) to digital-native small and medium businesses in Southeast Asia. The company advances non-dilutive capital of up to $200,000 per business (varying by market) in exchange for a flat fee of 7.5% to 10.5% on the advance amount and a fixed percentage of monthly revenue until the funding is repaid; repayment amounts flex with revenue performance, so slow months reduce the obligation. Its primary customers are e-commerce merchants, SaaS companies, D2C brands, and mobile apps in Singapore, Vietnam, and Indonesia, with localized platforms in English, Malay, Vietnamese, Indonesian, and Simplified Chinese and a Vietnam country office in Ho Chi Minh City.
The platform is self-serve and product-led: applicants sign up, connect revenue sources (Stripe, Braintree, Shopify, Shopee) and marketing platforms (Facebook Ads, Google Ads), and receive an automated financing decision in as fast as 24 hours. Credit assessment is built on a proprietary infrastructure that has evaluated over 30,000 SME finance inquiries and completed more than 2,400 financing transactions, with cumulative originations surpassing $100 million as of 2026. The company explicitly couches its offering as "Growth Capital as a Service" (GCAAS), and layers specialized modules — Boost for digital marketing campaigns, E-Commerce Financing, and SaaS Financing — onto the core RBF product. Indonesian operations are delivered through OJK-regulated P2P lending operators and BPR Karya Prima Sentosa.
Jenfi generates revenue from a transaction fee (one-time flat fee plus a revenue-share component) on each financing advance, with capital deployment supported by both equity (~$16 million raised across pre-seed, seed, Series A and pre-Series B rounds from Y Combinator, Monk's Hill Ventures, Headline Asia, Korea Investment Partners, and others) and a $25 million debt facility from Arc Labs. The company is privately held by Jenfi Pte Ltd, headquartered in Singapore, employs 51-100 people, and reports a portfolio IRR above 40% with backed companies growing an average of 8.1% per month (156% annualized).
Jenfi firmographics
Firmographics- Name
- Jenfi
- Legal name
- Jenfi Pte Ltd
- Website
- https://jenfi.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Jenfi is a Singapore-based fintech founded in 2019 that provides revenue-based financing to digital-native SMBs (e-commerce, SaaS, D2C) in Southeast Asia, with up to $200K in non-dilutive capital, automated 24-hour underwriting, and fee-based revenue tied to advance amounts.
- Ownership category
- akta.pro rank
Jenfi industry classification
Industry- Product category
- Alternative SME Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
Keywords
Where Jenfi is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices2 records
Markets served
Jenfi business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Revenue-Based Financing Fees: Jenfi provides non-dilutive capital to digital businesses in exchange for a percentage of future revenue. Repayments are tied to actual business revenue performance. The company charges a flat fee (7.5%-10.5% depending on repayment term length) and takes a fixed percentage of sales until the funding is repaid.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | 4-Month Term: 7.5% flat fee |
| Transaction based/ take rate | Pay-as-you-go | 5-Month Term: 9% flat fee |
| Transaction based/ take rate | Pay-as-you-go | 6-Month Term: 10.5% flat fee |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Jenfi product offering
Product offeringCore offering
Jenfi provides revenue-based financing (branded as Growth Capital as a Service) to digital businesses in Southeast Asia, offering non-dilutive capital of up to $200,000 in exchange for a fixed percentage of monthly revenue. Repayments flex with business performance over 4-, 5-, or 6-month terms, with a one-time flat fee of 7.5%, 9%, or 10.5% respectively. The product is delivered via a fully online, self-serve platform that integrates with revenue and marketing data sources for 24-hour credit decisions.
Product overview
Jenfi operates as a unified platform offering revenue-based financing (also branded as Growth Capital as a Service) to digital businesses in Southeast Asia. The core product is a non-dilutive financing solution where businesses receive capital in exchange for a fixed percentage of future revenue, with flexible repayment tied to actual business performance. The platform is structured around three specialized modules targeting distinct segments: Boost for digital marketing financing, E-Commerce Financing for online retail and D2C brands, and SaaS Financing for subscription-based software businesses. A Referral Program complements the offering by enabling partner-led customer acquisition. The platform connects to applicant data sources (Stripe, Braintree, Shopify, Shopee, Facebook Ads, Google Ads) for automated credit assessment and delivers funding decisions within 24 hours for eligible businesses.
Differentiator
Problem solved
Functional benefit
Products and services
- Revenue-Based Financing (Growth Capital as a Service) Jenfi's flagship non-dilutive financing product offering advances up to $200,000 to digital businesses, repaid as a fixed percentage of monthly revenue over 4-, 5-, or 6-month terms with a one-time flat fee of 7.5%, 9%, or 10.5%. Designed for registered digital businesses (Pte Ltd, LLP, Sdn Bhd) with at least six months of verifiable revenue activity.
- Boost Specialized revenue-based financing product that funds digital marketing campaigns on Meta Ads, Google Ads, TikTok Ads, and other online marketing channels, enabling businesses to scale advertising spend with flexible, revenue-tied repayments.
- E-Commerce Financing Vertical-specific revenue-based financing tailored for e-commerce businesses and D2C brands, covering inventory stocking, marketing campaigns, and operational growth needs for online retailers selling on platforms like Shopify and Shopee.
- SaaS Financing Revenue-based financing solution designed for software-as-a-service companies and subscription-based digital businesses, aligning repayment schedules with recurring revenue models rather than fixed monthly obligations.
Quantifiable outcome
- Companies backed by Jenfi grow an average of +8.1% per month (156% annualized)
- +3 more outcomes
Companies that use Jenfi
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles1 record
Jenfi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature3 records
Jenfi partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- StripecoreRevenue data source integration. Businesses connect their Stripe accounts to provide revenue data for credit assessment.
- ShopifycoreE-commerce platform integration for revenue data connectivity. Businesses can connect Shopify stores for verification and assessment.
- ShopeecoreSoutheast Asian e-commerce platform integration for revenue data. Regional alternative to Shopify for businesses operating on Shopee.
- Facebook AdscoreMarketing data integration for credit assessment. Connects to advertising spend and performance data to evaluate business growth potential.
- Google AdscoreMarketing data integration for credit assessment. Evaluates advertising performance and growth trajectory for financing decisions.
- BPR Karya Prima SentosaminorIndonesian rural bank that partners with Jenfi to provide financing solutions. An innovative bank that guarantees transaction security and provides micro, small, and medium enterprise financing.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Jenfi competitors and assessment
Company assessmentDirect peers
- Funding Societies: Pan-Southeast Asian digital lending platform providing working capital and term loans to SMEs, including those underserved by banks. Closest direct competitor to Jenfi in geography and customer segment, with overlapping digital onboarding and revenue-based / short-term credit products.
- Validus: Singapore-headquartered SME financing platform offering revenue-based and short-term credit to SMEs across Southeast Asia. Direct competitor with overlapping product (RBF / invoice financing) and overlapping geography (Singapore, Vietnam, Indonesia).
- Liquidity Capital: Asia-Pacific-focused revenue-based financing provider offering non-dilutive capital to tech and digital businesses. Closely comparable product (RBF with revenue-linked repayment) and overlapping target customer base in digital and tech SMEs.
- Kafou: Y Combinator-backed Southeast Asian fintech offering revenue-based financing to digital SMEs. Direct competitor with similar RBF product, similar SEA geography, and a comparable digital-native SMB target market.
Broad incumbents
- Wayflyer: Global revenue-based financing platform offering growth capital to e-commerce and DTC brands. Comparable product (RBF tied to revenue/payments) and overlapping customer profile (digital-native merchants), but at much larger global scale.
- Clearco: Global revenue-based financing provider for e-commerce and SaaS companies. Offers a directly comparable product (RBF tied to revenue) to a similar digital-native customer base, but operates at much broader global scale.
Regional players
- Aspire: Singapore-based all-in-one financial platform for SMEs, including working capital and credit products. Operates in overlapping Southeast Asian markets and serves a similar SMB customer profile, though it is broader in scope (multi-product finance OS) rather than purely RBF-focused.
- Atome: Southeast Asian buy-now-pay-later and digital financial services platform with presence in Singapore, Indonesia, Vietnam, and Malaysia. Adjacent alternative-credit model in the same SEA geographies, with BNPL-style revenue-linked repayment mechanics similar in spirit to RBF.
- Kredivo: Indonesia-headquartered digital credit platform offering pay-later and personal credit products to SEA consumers and merchants. Operates in the same alternative-credit space and geographies, but is more consumer-pay-later oriented rather than SME RBF.
- Taralite: Southeast Asian online lending marketplace focused on providing working capital and SME loans across the region. Comparable in serving digital SMEs with short-term financing in overlapping SEA geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Jenfi social profiles
Digital presenceJenfi compliance and trust
Trust signalCompliance1 record
Jenfi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Jenfi leadership team
Management profileNumber of profiles
Profiles2 records
Jenfi funding detail
Funding detailFunding overview
Funding rounds9 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Jenfi M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Jenfi
What does Jenfi do?
Jenfi provides revenue-based financing (branded as Growth Capital as a Service) to digital businesses in Southeast Asia, offering non-dilutive capital of up to $200,000 in exchange for a fixed percentage of monthly revenue. Repayments flex with business performance over 4-, 5-, or 6-month terms, with a one-time flat fee of 7.5%, 9%, or 10.5% respectively. The product is delivered via a fully online, self-serve platform that integrates with revenue and marketing data sources for 24-hour credit decisions.
Is Jenfi a public or private company?
Jenfi is a private company. It is classified as venture growth investor backed and is currently operating.
When was Jenfi founded?
Jenfi was founded in 2019. It employs 11 to 50 people.
Where is Jenfi based?
Jenfi is headquartered in Singapore, Singapore, in the Asia region.
How does Jenfi make money?
One revenue line is on record: revenue-Based Financing Fees.
Who are Jenfi's main competitors?
Direct peers on record are Funding Societies, Validus, Liquidity Capital and Kafou. Broad incumbents are Wayflyer and Clearco. Regional players are Aspire, Atome, Kredivo and Taralite.
Does Jenfi have an API?
No public API is recorded for Jenfi.
What industry is Jenfi in?
Jenfi's product category is Alternative SME Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 52222 and its SIC code is 6153.