Finzy
Finzy is an RBI-registered NBFC-P2P lending platform in India that digitally matches individual personal-loan borrowers (₹25,000–₹5,00,000) with individual and corporate lenders, using a proprietary 130-parameter credit algorithm and a suite of automated allocation and reinvestment products to facilitate lending across 100+ cities.
- Company typePrivate
- Founded2017
- HeadquartersBangalore, India
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What Finzy does
Finzy, operated by Bridge Fintech Solutions Private Limited, is an India-based RBI-registered NBFC-P2P lending platform founded in 2017 that digitally matches individual personal-loan borrowers (loan size ₹25,000–₹5,00,000; tenures 6–36 months) with individual and corporate lenders. The platform uses a proprietary 130-parameter credit algorithm to assign borrowers 18-tier credit ratings (A1–C6), enabling credit decisions in roughly 24 working hours and disbursement in as little as 48 hours. Finzy's borrower-side product covers use cases such as home improvement, travel, medical, education, and debt consolidation, with interest rates of 10.99–27.99% p.a. and zero prepayment penalties.
On the supply side, Finzy offers lenders a suite of products including automated allocation (finzyPRO+, finzyBolt, finzySWIFT), consent-based lending with defined maturity profiles (finzyALPHA A12/A24/A36 and finzyACE), queue-based allocation (finzyQ), manual and hybrid lending, automated compounding reinvestment (Reinvest-Pro), and a monthly withdrawal facility (finzySWP). Reported gross lender returns range from 8.98% to 21.50% net IRR, with the platform taking a 2% fee (+ 18% GST) on lender EMI receipts, a 3% per annum management fee on finzyALPHA/finzyACE principal outstanding, a differentiated interest spread on finzyFLEX, and risk-tiered borrower processing fees of 2–5% (+ 18% GST) at disbursement.
Finzy monetizes through a pure transaction-fee model with no registration fees, distributes via a self-serve D2C website supplemented by an IFA/financial-advisor partner channel and a merchant partner channel offering zero-percent retail financing. Cumulative disbursals of ₹500Cr+ across 100K+ borrowers in 100+ Indian cities and aggregate disclosed funding of approximately $4.3M (a $2.3M pre-series A in 2018 and a $2M bridge round in November 2021) characterize a modest-scale, mass-market fintech serving the long tail of Indian consumer credit demand outside the formal banking system.
Finzy firmographics
Firmographics- Name
- Finzy
- Legal name
- Bridge Fintech Solutions Private Limited
- Website
- https://finzy.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Finzy is an RBI-registered NBFC-P2P lending platform in India that digitally matches individual personal-loan borrowers (₹25,000–₹5,00,000) with individual and corporate lenders, using a proprietary 130-parameter credit algorithm and a suite of automated allocation and reinvestment products to facilitate lending across 100+ cities.
- Ownership category
- akta.pro rank
Finzy industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where Finzy is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Finzy business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Borrower Origination/Processing Fees: Fees charged to borrowers at loan disbursement, calculated as a percentage of the loan amount disbursed. The fee varies based on the borrower's finzy credit rating: Category A (A1-A3) pays 2%, A4-A6 pays 3%, Category B (B1-B6) pays 4%, Category C (C1-C6) pays 4-5%. GST of 18% is additionally levied.
- Lender Platform Fees: Finzy charges lenders a 2% fee plus GST on the EMI amount received monthly. This fee is only charged when lenders receive returns from borrowers, aligning company revenue with lender success.
- finzyALPHA/fizyACE Management Fees: For finzyALPHA and finzyACE lending products, finzy charges 3% per annum of the principal outstanding amount on a monthly basis as platform fees. These are consent-based lending options with different return profiles.
- finzyFLEX Interest Differential: Finzy earns revenue through the differential between borrower interest rate and lender interest rate. No income is earned if the differential is zero or negative.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Category A Borrowers (Ratings A1-A3) - Lowest risk tier with 2% processing fee |
| Transaction based/ take rate | Pay-as-you-go | Category A Borrowers (Ratings A4-A6) - Moderate risk within A tier, 3% processing fee |
| Transaction based/ take rate | Pay-as-you-go | Category B Borrowers (Ratings B1-B6) - 4% processing fee |
| Transaction based/ take rate | Pay-as-you-go | Category C Borrowers (Ratings C1-C6) - Higher risk tier with 4-5% processing fee |
| Transaction based/ take rate | Pay-as-you-go | Lender Platform Fee - 2% of EMI received |
| Transaction based/ take rate | Monthly | finzyALPHA Platform Fee - 3% per annum of principal outstanding |
| Transaction based/ take rate | Monthly | finzyACE Platform Fee - 3% per annum of principal outstanding |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Finzy product offering
Product offeringCore offering
Finzy operates as India's RBI-registered NBFC-P2P digital lending platform that directly connects personal loan borrowers (loan sizes ₹25,000–₹5,00,000) with individual and corporate lenders. The platform underwrites borrowers via a proprietary 130-parameter credit algorithm (ratings A1–C6), disburses loans in as little as 48 hours, and collects/remits EMIs through automated infrastructure. Lenders access multiple investment vehicles (finzyPRO+, finzyALPHA, finzyACE, finzyFLEX) earning net IRRs of 8.98%–21.50%, while borrowers receive interest rates starting at 10.99% p.a.
Product overview
Finzy operates as a unified P2P lending platform (core product) offering multiple lending modules: finzyPRO+ and finzyQ for automated portfolio building, finzyALPHA and finzyACE for consent-based lending with maturity options, finzyBolt and finzySWIFT for wallet-based auto-lending, and Reinvest-Pro for compounding returns. Manual Lend and Hybrid Lend provide manual control options. The platform connects borrowers seeking personal loans (₹25,000–₹5 lakh) with lenders, featuring a proprietary 130-parameter credit algorithm for borrower assessment and ratings from A1 to C6.
Differentiator
Problem solved
Functional benefit
Products and services
- Finzy P2P Lending Platform RBI-registered NBFC-P2P digital marketplace that connects individual personal-loan borrowers seeking ₹25,000–₹5,00,000 with individual and corporate lenders, using a proprietary 130-parameter credit algorithm and automated EMI collection/transfer infrastructure.
- finzyALPHA Consent-based lending product for lenders, offering fixed-return opportunities with three maturity variants (A12, A24, A36) and monthly platform fee of 3% p.a. of principal outstanding.
- finzyACE Consent-based lending option for lenders offering attractive returns with regular cashflows from underlying borrower repayments, with monthly platform fee of 3% p.a. of principal outstanding.
- finzyFLEX Lender investment product where the borrower interest rate and lender interest rate differ, generating revenue for the platform through the rate differential (zero/negative differential yields no income).
- Personal Loan (Borrower Product) Unsecured personal loan product for Indian residents aged 18+ (salaried with ₹25,000+ take-home or self-employed with ₹5L+ annual income), from ₹25,000 to ₹5,00,000, with rates 10.99%–27.99% p.a. and origination/processing fees of 2%–5% based on credit rating.
Quantifiable outcome
- Total disbursement of ₹500Cr+ through the platform
- +6 more outcomes
Companies that use Finzy
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Finzy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Finzy partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Financial Advisors and IFAscoreFinzy partners with Independent Financial Advisors (IFAs) to distribute P2P lending products to their client base. Partners earn commission based on cumulative lending or borrowing milestones achieved by referred clients. The program includes monthly payouts, built-in referral tracking, and recognition rewards. Finzy provides partners with joint meeting support, webinars, and seminar materials to educate clients about P2P lending benefits.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Finzy competitors and assessment
Company assessmentDirect peers
- Liquiloans: Liquiloans is an RBI-registered P2P lending platform focused on salaried borrowers and retail lenders, offering fixed-return products (similar to Finzy's finzyALPHA/finzyACE). Direct competitor on regulated P2P access and structured lender products.
- Lendbox: Lendbox is an Indian RBI-registered P2P lending platform offering personal loans to borrowers and diversified lending opportunities to investors. Directly competes with Finzy on product, regulation, and customer segments.
- i2iFunding: i2iFunding is an RBI-registered P2P lending marketplace for personal and small-business loans, with both manual and auto-invest options for lenders. Comparable to Finzy on platform mechanics, target borrower/lender segments, and asset class.
- Peerform: Peerform (by Monexo Fintech) is an RBI-registered P2P lending platform offering personal and small-business loans between individuals. Directly competes with Finzy in the same regulated category.
- PaisaDukan: PaisaDukan is a P2P lending platform in India providing personal loans to borrowers and fixed-income returns to lenders through an RBI-regulated NBFC-P2P structure. Closely comparable peer given similar business model and regulatory setup.
- LenDenClub: LenDenClub (operated by Innofin Solutions) is an RBI-registered NBFC-P2P platform offering P2P loans to individuals and small businesses with automated lender matching. Closest competitor to Finzy in borrower segment, ticket size, and automated lender allocation features.
- Faircent: Faircent is one of India's earliest and largest RBI-registered P2P lending platforms, connecting individual borrowers with individual lenders for unsecured personal and business loans. Directly comparable to Finzy on regulatory status, target segments, and take-rate revenue model.
Broad incumbents
- MoneyTap: MoneyTap is an Indian app-based consumer credit line product offering flexible personal credit. Comparable as a broader digital personal lending incumbent competing for the same salaried borrower segment as Finzy.
- Lendingkart: Lendingkart is a well-funded Indian fintech operating in the broader digital/SME lending space, providing working capital and term loans to small businesses. Comparable as a broader digital lending incumbent operating in adjacent segments that compete for some of Finzy's borrowers.
Regional players
- Funding Circle: Funding Circle is a major global P2P/SME lending platform operating in the UK, US, and select European markets. Relevant as an international reference point for the P2P lending business model Finzy executes in India, though not directly competing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks2 records
Key highlights7 records
Customer concentration
Finzy social profiles
Digital presenceFinzy compliance and trust
Trust signalCompliance8 records
Finzy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finzy leadership team
Management profileNumber of profiles
Profiles4 records
Finzy funding detail
Funding detailFunding overview
Funding rounds3 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finzy M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finzy
What does Finzy do?
Finzy operates as India's RBI-registered NBFC-P2P digital lending platform that directly connects personal loan borrowers (loan sizes ₹25,000–₹5,00,000) with individual and corporate lenders. The platform underwrites borrowers via a proprietary 130-parameter credit algorithm (ratings A1–C6), disburses loans in as little as 48 hours, and collects/remits EMIs through automated infrastructure. Lenders access multiple investment vehicles (finzyPRO+, finzyALPHA, finzyACE, finzyFLEX) earning net IRRs of 8.98%–21.50%, while borrowers receive interest rates starting at 10.99% p.a.
Is Finzy a public or private company?
Finzy is a private company. It is classified as venture growth investor backed and is currently operating.
When was Finzy founded?
Finzy was founded in 2017. It employs 51 to 100 people.
Where is Finzy based?
Finzy is headquartered in Bangalore, India, in the Asia region.
How does Finzy make money?
Four revenue lines are on record. Borrower Origination/Processing Fees are the primary driver. The others are lender Platform Fees, finzyALPHA/fizyACE Management Fees and finzyFLEX Interest Differential.
Who are Finzy's main competitors?
Direct peers on record are Liquiloans, Lendbox, i2iFunding, Peerform, PaisaDukan, LenDenClub and Faircent. Broad incumbents are MoneyTap and Lendingkart. Funding Circle is listed as a regional player.
Does Finzy have an API?
No public API is recorded for Finzy.
What industry is Finzy in?
Finzy's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 52231 and its SIC code is 6163.