Finda
Finda is a South Korean fintech operating a loan comparison brokerage platform connecting 3.47 million+ consumers with 96 partner financial institutions and 400+ loan products. Founded 2015, it generates revenue through brokerage commissions, B2B FaaS infrastructure, and AI-driven financial analytics including FindaGPT and OpenUp.
- Company typePrivate
- Founded2015
- HeadquartersSeoul, South Korea
- Headcount51–100
- GTM typeB2B and B2C
- OfferingSoftware
What Finda does
Finda is a South Korean fintech company founded in September 2015 that operates a loan comparison brokerage platform connecting individual consumers with 96 partner financial institutions offering more than 400 loan products. The platform is delivered via the Finda mobile app (launched 2019) and web portal, enabling users to compare and apply for credit loans, home mortgage loans, refinancing (갈아타기), and jeonse loans within roughly one minute. The company is registered as a loan brokerage firm (No. 2021-007) and lending broker under Korean financial law, and holds MyData business operator main authorization (acquired 2021), which enables integrated credit information aggregation across banks, cards, insurance, and securities providers.
The technology stack is anchored by MyData-driven data aggregation, AI/ML services, and partnership-based generative AI: FindaGPT runs on Microsoft Azure OpenAI (deployed October 2023); an industry-first AI loan prediction service was launched in June 2025 that forecasts loan eligibility without triggering credit inquiries; a finance-focused agentic AI platform is under joint development with Upstage based on the Solar LLM (MOU June 2026). Finda also operates a 100%-owned subsidiary OpenUp, acquired in July 2022, which provides AI-based commercial area analysis for small businesses and franchise operators, with OpenUp Pro extending into the franchise segment. Finda achieved ISMS certification in March 2026 and won the Financial Supervisory Service Governor's Award (2021) and the Minister of Gender Equality and Family Award (2025).
Finda's revenue model is primarily transaction-based: the company earns brokerage commissions from partner financial institutions when loans are originated through the platform, with additional revenue streams from Finda as a Service (FaaS) B2B white-label infrastructure for enterprise clients, freemium OpenUp B2C/B2B analytics, and the proprietary Finda Card interest-refund PLCC (launched April 2025). Cumulative members exceed 3.47 million and total loan management volume exceeds 256 trillion KRW, with policy loan brokerage volume surpassing 2 trillion KRW as of November 2025. The company has raised approximately $52 million across six funding rounds from investors including 500 Global, JB Financial Group, Woori Bank, Kia Motors, and Translink Investment, and is headquartered in Gangnam-gu, Seoul.
Finda firmographics
Firmographics- Name
- Finda
- Legal name
- 주식회사 핀다
- Website
- https://www.finda.co.kr/
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Finda is a South Korean fintech operating a loan comparison brokerage platform connecting 3.47 million+ consumers with 96 partner financial institutions and 400+ loan products. Founded 2015, it generates revenue through brokerage commissions, B2B FaaS infrastructure, and AI-driven financial analytics including FindaGPT and OpenUp.
- Ownership category
- akta.pro rank
Where Finda is headquartered
LocationHeadquarters
- HQ city
- Seoul
- HQ country
- South Korea
- HQ region
- Asia
Offices1 record
Markets served
Finda business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Loan Brokerage Commission: Finda acts as a loan sales agent/broker for partner financial institutions, earning commissions when users successfully obtain loans through the platform. The company is registered as a loan brokerage firm and receives fees from partner financial companies based on loan transactions.
- Finda as a Service (FaaS): B2B white-label loan comparison infrastructure provided to partner financial institutions and enterprise clients for a fee
- OpenUp B2C Service: Free B2C big data commercial analysis service with over 1,200 users; revenue generated through enhanced B2B versions and premium features
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free consumer loan comparison with broker commission from financial institutions |
| Subscription | Annual | Finda as a Service (FaaS) enterprise B2B platform |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Finda product offering
Product offeringCore offering
Finda operates South Korea's largest AI-powered loan comparison and brokerage platform, aggregating 400+ loan products from 96 partner financial institutions and serving consumers across credit loans, mortgage, jeonse, and refinancing categories. The platform combines MyData integration, an AI loan prediction service that operates without impacting users' credit scores, and FindaGPT (a conversational AI built on Microsoft Azure OpenAI) to deliver one-minute personalized loan recommendations. Beyond the consumer-facing B2C platform, Finda licenses its underlying infrastructure to financial institutions via FaaS (Finda as a Service) on a B2B SaaS basis.
Product overview
Finda is a South Korean fintech company operating a loan comparison brokerage platform (핀다 플랫폼) as its core product, augmented by a portfolio of financial AI tools and services. The platform comprises three main pillars: (1) the Finda App and Finda Web for consumer-facing loan comparison, credit management, and asset management; (2) B2B solutions including Finda as a Service (FaaS), Excellent Loan Comparison, and Finda Unicorn (startup banking); and (3) AI-powered analytics tools including OpenUp/OpenUp Pro (commercial area analysis) and proprietary AI services (FindaGPT, AI loan prediction). The company connects borrowers with 96+ financial institution partners offering 400+ loan products, while also providing card comparison, financial calculators, credit monitoring, and MyData aggregation services. The platform was built on Microsoft Azure OpenAI (FindaGPT, 2023) and is expanding into finance-specific AI agents via a partnership with Upstage (2026).
Differentiator
Problem solved
Functional benefit
Brands
- OpenUp: AI-based big data commercial area analysis solution for business insights, particularly for small business owners and prospective entrepreneurs in the restaurant industry
- FindaPost
- Finda Unicorn
- Finda Card
- 오픈업 프로
- 핀다 오토
Products and services
- Finda App AI-powered mobile loan comparison and brokerage app for Korean consumers; aggregates 400+ loan products from 96 partner financial institutions across credit loans, mortgage, jeonse, and refinancing; offers one-minute personalized loan recommendations with MyData integration, AI loan prediction that does not affect credit score, and FindaGPT conversational guidance.
- Finda Web Web-based version of the Finda loan comparison and brokerage platform for Korean consumers who prefer desktop access to the same 400+ loan products and partner institution network available in the mobile app.
- FaaS (Finda as a Service) B2B white-label infrastructure that licenses Finda's loan comparison, MyData aggregation, AI loan prediction, and FindaGPT capabilities to Korean financial institutions for embedding into their own digital channels, with optional performance-linked commercial terms.
- OpenUp Big-data commercial area analysis product for Korean retail entrepreneurs and small business owners; uses public and aggregated data to evaluate commercial districts for store or franchise openings. Available as a free consumer tier (OpenUp) with a paid franchise-targeted tier (OpenUp Pro).
- OpenUp Pro Paid franchise-targeted tier of OpenUp's commercial area analysis platform, providing deeper market intelligence for Korean franchisees and retail entrepreneurs evaluating locations for new franchise operations.
- Finda Unicorn AI banking platform purpose-built for Korean startup founders and early-stage ventures, providing startup-tailored business accounts and AI-assisted financial management distinct from traditional SMB banking.
- Finda Card Private label credit card (PLCC) within the Finda product family, issued to Korean consumers as a branded financial product tied to the Finda platform.
Quantifiable outcome
- 9.4 out of 10 users find OpenUp big data analysis service helpful for their business
- +3 more outcomes
Companies that use Finda
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Finda technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
AI capability10 records
Feature6 records
Finda partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- UpstagecoreFinda signed an MOU with AI startup Upstage to jointly develop an agentic AI platform tailored for financial services. Upstage develops finance-specific AI models based on its Solar large language model while Finda provides domain data, compliance expertise, and user acceptance testing support. The partnership builds on collaboration since March 2026 and may expand into South Korea's sovereign AI foundation model initiative.
- Korea University Business SchoolminorFinda signed an MOU with Korea University's School of Business to jointly conduct capstone projects focused on AI and big data, strengthening industry-academia collaboration and talent development.
- MicrosoftcoreBuilt FindaGPT using Microsoft Azure OpenAI service, leveraging OpenAI's large language model technology for AI-powered financial guidance and services. Partnership enables advanced AI capabilities for the platform.
- OpenUpcoreFinda acquired 100% stake in OpenUp, a big data commercial analysis startup, to enhance loan brokerage services and develop new analysis services using OpenUp's big data and AI technology. OpenUp provides commercial area analysis for small business owners.
- 96 Partner Financial InstitutionscoreNetwork of 96 partner financial institutions including banks (KB Kookmin, Shinhan, IBK, Nonghyup, etc.), savings banks, credit card companies (Samsung, Lotte, Hyundai, etc.), and lending companies providing loan products on the Finda platform.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
Finda competitors and assessment
Company assessmentEmerging players
- Upstart: US-based AI lending platform using machine learning for credit decisioning and personal loan origination. Comparable to Finda's AI loan prediction service (credit-impact-free forecasting) and predictive analytics capabilities, though Upstart lends on its own balance sheet rather than brokering.
Direct peers
- LendingTree: US-based loan comparison and brokerage marketplace connecting consumers with multiple lenders across personal loans, mortgages, and credit cards. Closest international analog to Finda's business model of matching borrowers to a broad network of financial institution partners via a digital platform.
- MoneySupermarket: UK-based price comparison platform covering loans, credit cards, insurance, and banking products. Closest European analog to Finda's loan comparison and brokerage model, providing commission-based revenue from financial institution partners across multiple product categories.
- Credit Karma: US-based personal finance platform offering free credit score monitoring alongside credit card and loan product recommendations. Comparable to Finda's MyData-driven credit management and loan product matching model, with similar freemium-plus-recommendation monetization.
- Viva Republica (Toss): Operates Korea's leading financial super-app with loan comparison, lending, and brokerage services directly competing with Finda's consumer proposition. Toss bundles lending with payments, investing, and insurance, putting direct pressure on standalone comparison platforms like Finda in the Korean market.
- Banksalad: Korean personal finance management app that aggregates financial accounts, monitors credit, and offers financial product comparison similar to Finda. Banksalad competes for the same credit-conscious Korean consumer with MyData-driven insights and product recommendations.
Broad incumbents
- KakaoBank: Korean internet-only bank backed by Kakao, offering personal loans, mortgages, and deposits to millions of users. As a licensed digital bank, it competes with Finda's partner network by originating loans directly while leveraging Kakao's distribution.
- Naver Financial: Financial services division of Korean internet leader Naver, providing loans, insurance, and securities products through Naver's portal ecosystem. Functions as a broad incumbent leveraging Naver's search and platform traffic for loan distribution, comparable to Finda's SEO-driven acquisition model.
- Kakao Finance: Financial services arm of Kakao, the Korean messaging super-app, offering lending, investing, and insurance distribution. While broader than Finda, it competes head-on in loan comparison and brokerage with deep distribution advantages from KakaoTalk's user base.
Regional players
- MoneyHero (CompareHero): Asia-based financial product comparison platform operating across Hong Kong, Singapore, Taiwan, and other markets. Compares credit cards, loans, and insurance products, representing a regional analog of Finda's loan and card comparison model outside the Korean market.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Finda social profiles
Digital presenceFinda compliance and trust
Trust signalCompliance4 records
Finda financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finda leadership team
Management profileNumber of profiles
Profiles6 records
Finda subsidiaries and ownership
Company hierarchySubsidiaries1 record
Finda funding detail
Funding detailFunding overview
Funding rounds7 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finda M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finda
What does Finda do?
Finda operates South Korea's largest AI-powered loan comparison and brokerage platform, aggregating 400+ loan products from 96 partner financial institutions and serving consumers across credit loans, mortgage, jeonse, and refinancing categories. The platform combines MyData integration, an AI loan prediction service that operates without impacting users' credit scores, and FindaGPT (a conversational AI built on Microsoft Azure OpenAI) to deliver one-minute personalized loan recommendations. Beyond the consumer-facing B2C platform, Finda licenses its underlying infrastructure to financial institutions via FaaS (Finda as a Service) on a B2B SaaS basis.
Is Finda a public or private company?
Finda is a private company. It is classified as venture growth investor backed and is currently operating.
When was Finda founded?
Finda was founded in 2015. It employs 51 to 100 people.
Where is Finda based?
Finda is headquartered in Seoul, South Korea, in the Asia region.
How does Finda make money?
Three revenue lines are on record. Loan Brokerage Commission is the primary driver. The others are finda as a Service (FaaS) and openUp B2C Service.
Who are Finda's main competitors?
Upstart is listed as an emerging player. Direct peers are LendingTree, MoneySupermarket, Credit Karma, Viva Republica (Toss) and Banksalad. Broad incumbents are KakaoBank, Naver Financial and Kakao Finance. MoneyHero (CompareHero) is listed as a regional player.
Does Finda have an API?
No public API is recorded for Finda.