Finaya
Finaya is an AI-driven homeownership marketplace super-app that integrates home search, mortgage, insurance, title, and closing services. It serves homebuyers and sellers directly via mobile and web, and distributes through B2B2C white-label partnerships with publishers, agents, lenders, and brokers.
- Company typePrivate
- Founded2024
- HeadquartersKentfield, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Finaya does
Finaya is an AI-driven cloud-based homeownership marketplace, structured as a super-app that integrates home search, buying, selling, mortgage, insurance, title, and closing services into a single platform. The company is headquartered in Seattle, incorporated in Delaware, and was founded in 2024 with a team of 1-10 employees. It serves two primary customer groups: consumers (homebuyers and sellers, with particular focus on first-time buyers and underserved communities), and a partner ecosystem comprising real estate agents, loan brokers, lenders, service providers, and content publishers/media sites that white-label the marketplace through a B2B2C distribution model. The company also maintains a wholly-owned mortgage brokerage subsidiary, Finaya Home Loans (NMLS # 2354884), and in May 2024 acquired Nexme to integrate instant home tour and sales collaboration capabilities into the platform.
The product surface spans the Finaya Marketplace Super-App (available on iOS, Android, and web), the Nexme home tour experience, Finaya Home Loans for mortgage origination, Enhanced Insurance Solutions (launched July 2024), and a Partner Platform for white-label distribution. AI features include a Beta-stage natural language home search tool (currently Colorado-only), Agentic AI for autonomous home search and mortgage lead generation (announced April 2025), the MyHome personalization dashboard, and a Learn platform for first-time buyer education. The company claims four foundational patents protecting core platform technology, and the founding team includes personnel with prior experience at Amazon, Better.com, Expedia, Microsoft, Stewart, and Wells Fargo. Compliance posture includes CCPA and GDPR-aligned privacy statements.
Finaya's revenue model is multi-stream and comprises marketplace commissions from service providers, a monthly subscription for lead generation services (auto-renewing per the Terms of Use), and transaction fees on services booked through the platform. Pricing is not publicly disclosed. Go-to-market is primarily B2B2C through content publishers and influencers that private-label the marketplace, supplemented by self-serve consumer acquisition via mobile apps and the website, and channel partnerships with agents, brokers, and lenders. The company operates nationwide in the United States and reports that volumes are scaling as consumers and partners come on board, though no revenue, GMV, or user figures are publicly disclosed.
Finaya firmographics
Firmographics- Name
- Finaya
- Legal name
- Finaya, Inc.
- Website
- https://finaya.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Finaya is an AI-driven homeownership marketplace super-app that integrates home search, mortgage, insurance, title, and closing services. It serves homebuyers and sellers directly via mobile and web, and distributes through B2B2C white-label partnerships with publishers, agents, lenders, and brokers.
- Ownership category
- akta.pro rank
Finaya industry classification
Industry- Product category
- Real Estate Technology Platform
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
- akta.pro secondary industries
- Loan Origination Platforms (LOS) & Digital Application Journeys (FSAGAHAA), Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
Keywords
Where Finaya is headquartered
LocationHeadquarters
- HQ city
- Kentfield
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Finaya business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Marketplace Commission: Finaya acts as a marketplace connecting homebuyers with lenders, realtors, and service providers. Revenue is generated through commissions from service providers on the platform.
- Subscription / Lead Generation: Monthly subscription fee for lead generation services rendered to users. Auto-renews monthly. The subscription provides access to the platform's lead generation tools and services.
- Transaction Fees: Charges for services or goods obtained through the use of the Services. Charges are inclusive of applicable taxes where required by law.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Monthly subscription for lead generation services |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Finaya product offering
Product offeringCore offering
Finaya operates an AI-driven cloud-based homeownership marketplace super-app that integrates home search and buying, selling, mortgage origination (via Finaya Home Loans), insurance, title, and closing services into a single platform. Consumers use the app to search for homes, take instant virtual tours, submit offers, obtain financing, and complete closings, while the company monetizes through commissions from on-demand lenders, realtors, and service providers as well as subscription-based lead generation. The platform is offered nationwide through mobile apps, the web, and white-label B2B2C partnerships with publishers and influencers.
Product overview
Finaya is a cloud-based AI-driven homeownership marketplace structured as a super-app platform that integrates multiple services: home search/buying, selling, mortgage lending (via Finaya Home Loans), insurance, title, and closing services. The platform comprises the core Finaya Marketplace Super-App as the central hub, with the acquired Nexme brand for home tours, the Finaya Home Loans sub-brand for mortgages, and the Partner Platform for B2B2C white-label and agent partnerships. AI capabilities include AI Beta for natural language home search and Agentic AI for autonomous transaction assistance. The platform targets both consumers (B2C) and partners (B2B2C), operating as a digital-first, integrated alternative to traditional fragmented real estate and lending processes.
Differentiator
Problem solved
Functional benefit
Products and services
- Finaya Marketplace Super-App AI-driven cloud-based homeownership marketplace that integrates home buying and selling, mortgage, insurance, title, and closing into a single app, connecting consumers with on-demand realtors, loan brokers, lenders, and service providers.
- Finaya Home Loans NMLS-licensed mortgage broker (NMLS #2354884) offering mortgage products and services to Finaya customers, including pre-approval, loan shopping, application, and closing support.
- Enhanced Insurance Solutions Insurance products for homeowners launched in July 2024, expanding the platform's service offerings to include insurance alongside real estate and mortgage services.
- Finaya Partner Platform B2B2C platform that enables content publishers, media sites, blogs, and influencers to private-label Finaya's homeownership marketplace, and provides real estate agents, lenders, loan brokers, and service providers with access to qualified homebuyers.
- Nexme Home Tour Solution Home tour and sales collaboration solution that enables instant property tours and sales coordination within the Finaya super-app.
Quantifiable outcome
- Cash back on home purchases
Companies that use Finaya
Customer profileSegments5 records
Ideal customer profiles5 records
Finaya technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability7 records
Feature3 records
Finaya partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Money Management InternationalcoreFinaya and Money Management International teamed up to help guide First Time Home Buyers and Underserved Communities. This partnership focuses on comprehensive education, simplification of intricate home buying processes, and proactive anticipation of customer needs, particularly for those with limited access to homeownership resources.
- Lender PartnerscoreLenders offer mortgage products to Finaya customers and gain access to qualified homebuyers through the platform. Lenders benefit from Finaya's steady flow of qualified leads generated through the AI-powered platform.
- Loan Broker PartnerscoreLoan brokers help customers compare loan options and benefit from Finaya's steady flow of leads. The platform facilitates connections between loan brokers and homebuyers seeking financing.
- Real Estate Agent PartnerscoreReal estate agents connect with buyers and sellers on Finaya's platform to grow their business. The platform acts as an agent-friendly marketplace fostering high-volume transaction opportunities.
- Service Provider PartnersminorService providers like movers and inspectors reach homeowners through Finaya's trusted tools. These partners gain visibility and leads through the platform's ecosystem.
- Fintech and Proptech PartnerscoreStrategic relationships established with premier fintech and proptech partners to support the integrated homeownership marketplace platform.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Finaya competitors and assessment
Company assessmentBroad incumbents
- Zillow: Largest U.S. residential real estate marketplace with adjacent mortgage, financing, and closing services. Competes with Finaya for consumer attention in home search and increasingly in mortgage capture, with vastly greater brand and traffic.
- Redfin: Technology-enabled residential brokerage with an integrated mortgage arm (Redfin Mortgage) and broad listing coverage. Comparable to Finaya as a multi-product homeownership platform, but at significantly larger scale and with a brokerage operating model.
- Compass: Large technology-enabled residential brokerage with adjacent mortgage, title, and escrow services. Comparable in offering a multi-product homeownership stack, though Compass is primarily a brokerage rather than a marketplace.
Direct peers
- Homeward: Technology-driven home buying platform offering cash-backed offers and integrated mortgage services. Direct overlap with Finaya's combined home search, mortgage, and integrated transaction offering.
- Better.com: Digital-first mortgage lender and home buying platform that originated, underwrote, and serviced mortgages online. Direct competitor to Finaya Home Loans and the integrated search-to-close funnel, with a comparable technology-led, customer-centric value proposition.
- Orchard: Home buying platform that helps consumers buy before they sell, coordinating transactions and partnering with agents and lenders. Closely comparable to Finaya in digitizing the cross-functional home buying workflow.
- HomeLight: Marketplace connecting homebuyers and sellers with top-performing real estate agents, with adjacent mortgage and financial services. Directly comparable marketplace model with Finaya's agent and lender matchmaking layer.
- Knock: Home trade-in platform that lets buyers move with certainty by buying and selling on coordinated timelines, integrated with mortgage and closing. Comparable integrated homeownership workflow to Finaya.
- Rocket Homes: Rocket Mortgage's home search and agent-matching platform integrated with mortgage origination. Competes head-to-head with Finaya's combined home search plus NMLS-licensed mortgage broker offering, with the backing of a much larger balance sheet.
- Opendoor: Integrated home buying and selling platform offering cash offers, mortgages, and closing services. Directly comparable in pursuing an end-to-end digital homeownership experience, though Opendoor takes principal risk on inventory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finaya social profiles
Digital presenceFinaya compliance and trust
Trust signalCompliance2 records
Finaya financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finaya leadership team
Management profileNumber of profiles
Profiles1 record
Finaya subsidiaries and ownership
Company hierarchySubsidiaries1 record
Finaya funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finaya M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finaya
What does Finaya do?
Finaya operates an AI-driven cloud-based homeownership marketplace super-app that integrates home search and buying, selling, mortgage origination (via Finaya Home Loans), insurance, title, and closing services into a single platform. Consumers use the app to search for homes, take instant virtual tours, submit offers, obtain financing, and complete closings, while the company monetizes through commissions from on-demand lenders, realtors, and service providers as well as subscription-based lead generation. The platform is offered nationwide through mobile apps, the web, and white-label B2B2C partnerships with publishers and influencers.
Is Finaya a public or private company?
Finaya is a private company. It is classified as unknown and is currently operating.
When was Finaya founded?
Finaya was founded in 2024. It employs 1 to 10 people.
Where is Finaya based?
Finaya is headquartered in Kentfield, United States, in the North America region.
How does Finaya make money?
Three revenue lines are on record. Marketplace Commission is the primary driver. The others are subscription / Lead Generation and transaction Fees.
Who are Finaya's main competitors?
Broad incumbents on record are Zillow, Redfin and Compass. Direct peers are Homeward, Better.com, Orchard, HomeLight, Knock, Rocket Homes and Opendoor.
Does Finaya have an API?
No public API is recorded for Finaya.
What industry is Finaya in?
Finaya's product category is Real Estate Technology Platform. Its primary akta.pro industry code is FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms, with a secondary code of FSAGAHAA, Loan Origination Platforms (LOS) & Digital Application Journeys. Its NAICS code is 52231 and its SIC code is 6163.