FINCA Armenia
FINCA Armenia is a Yerevan-based, for-profit microfinance institution founded in 1999. It provides microloans, business loans, agricultural loans, and consumer loans to individuals and small businesses across Armenia, employing between 251 and 500 staff.
- Company typePrivate
- Founded1999
- HeadquartersYerevan, Armenia
- Headcount101–250
- GTM typeB2C
- OfferingServices
What FINCA Armenia does
FINCA Armenia is a Yerevan-headquartered, for-profit microfinance institution founded in 1999. It is a privately held company operating in the Armenian financial services market, with a workforce of 251-500 employees. The institution's product portfolio spans four loan categories: microloans, business loans, agricultural loans, and consumer loans, serving individual borrowers and small businesses. Its functional role is providing access to credit for segments typically underserved by commercial banks, including micro-entrepreneurs, smallholder farmers, and rural consumers, positioning it within the inclusive finance segment of the Armenian economy.
The company's operating model is that of a traditional microfinance institution: lending is funded through deposits and borrowings, with revenue generated principally from net interest income on the loan portfolio. Distribution relies on a national branch and field-officer network to reach borrowers across urban and rural Armenia, which is consistent with the headcount range of 251-500 staff. No digital-only channel or app is documented in the input data, and the company website returned a loading/verification page rather than content, limiting visibility into current product specifics, pricing, or technology stack.
FINCA Armenia operates within the broader FINCA Impact Finance global network context implied by its name, although no parent-company, ownership, or investor relationships are documented in the supplied data. No management team, funding rounds, partnerships, certifications, or geographic expansion signals are present in the source material. As a result, the analytical picture is anchored on the firmographic profile: an established, mid-sized Armenian microfinance lender with a diversified loan book across retail, SME, and agricultural segments, for which detailed operational and financial disclosures are not available in the current data set.
FINCA Armenia firmographics
Firmographics- Name
- FINCA Armenia
- Website
- https://finca.am
- Company type
- Private
- Founded year
- 1999
- Headcount range
- 101–250 employees
- Short description
- FINCA Armenia is a Yerevan-based, for-profit microfinance institution founded in 1999. It provides microloans, business loans, agricultural loans, and consumer loans to individuals and small businesses across Armenia, employing between 251 and 500 staff.
- Ownership category
- akta.pro rank
FINCA Armenia industry classification
Industry- Product category
- Microfinance
- NAICS
- Credit Intermediation and Related Activities (522), Depository Credit Intermediation (5221)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Microloans & Working Capital Loans (FSAKAGAA)
- akta.pro secondary industries
- Agricultural & Rural Microfinance (FSAKAGAG), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where FINCA Armenia is headquartered
LocationHeadquarters
- HQ city
- Yerevan
- HQ country
- Armenia
- HQ region
- Asia
Markets served
FINCA Armenia business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
FINCA Armenia product offering
Product offeringCore offering
FINCA Armenia provides microloans, business loans, agricultural loans, and consumer loans to individuals and small businesses in Armenia. The company operates as a for-profit microfinance institution serving underserved borrowers with limited access to traditional banking channels. Founded in 1999 and headquartered in Yerevan, it employs 251-500 staff to deliver its lending operations.
Differentiator
Problem solved
Functional benefit
Products and services
- Microloans Small-dollar loans offered to individuals and small businesses in Armenia who lack access to traditional banking services. Designed for unbanked or underbanked borrowers needing modest credit for personal or business use.
- Business loans Loans disbursed to small business owners and micro-entrepreneurs in Armenia for working capital, inventory, equipment, or business expansion. Targets borrowers excluded from commercial bank lending.
- Agricultural loans Credit products tailored for smallholder farmers and agricultural workers in Armenia to finance crop production, livestock, or other farming activities.
- Consumer loans Personal loans provided to individuals in Armenia for household consumption, education, healthcare, or other personal needs. Designed for borrowers without access to traditional consumer credit.
Companies that use FINCA Armenia
Customer profileIdeal customer profiles2 records
FINCA Armenia technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
FINCA Armenia competitors and assessment
Company assessmentDirect peers
- VisionFund International: World Vision-affiliated microfinance network serving low-income entrepreneurs across multiple countries. Comparable as an internationally-affiliated microfinance peer with similar mission, product mix, and borrower profile to FINCA Armenia.
- ACBA Bank: One of the largest Armenian banks, historically cooperative-oriented, with significant small-business and agricultural lending exposure. Competes with FINCA Armenia for SME and rural borrowers across the country.
- ProCredit Bank Armenia: Armenian subsidiary of the ProCredit group, focused on SME and small-business banking. Comparable as a development-oriented bank serving very small businesses and agricultural clients, overlapping directly with FINCA Armenia's target segments.
- CARD (Center for Agricultural Research and Development): Armenian agricultural-focused microfinance and rural development lender. Directly comparable as a niche microfinance institution targeting rural and agricultural borrowers in the same Armenian market.
Broad incumbents
- Converse Bank: Armenian universal bank offering retail and SME lending products. Comparable as another domestic incumbent operating in the consumer and small-business credit market alongside FINCA Armenia.
- Ameriabank: Large Armenian universal bank with active SME and consumer lending portfolios. Comparable as a domestic incumbent competing with FINCA Armenia for retail and small-business credit demand.
- FINCA International: Parent/affiliate organization of FINCA Armenia, operating the global FINCA microfinance network across multiple countries. Directly comparable as the umbrella brand and operational framework underpinning FINCA Armenia's activities.
- Ardshinbank: Major Armenian universal bank serving retail, SME, and corporate customers, including agricultural lending. Comparable as a broad-based Armenian lender competing for the same small-business and consumer segments.
- BRAC Microfinance: One of the world's largest microfinance networks, operating across multiple emerging markets. Comparable as a global microfinance peer applying a similar community-lending model to underserved small-business and agricultural borrowers.
Regional players
- TBC Bank Georgia: Leading Georgian universal bank with prior operations in Armenia, focused on retail and SME lending. Comparable as a South Caucasus region peer offering small-business and consumer credit, sharing macro and regulatory dynamics with the Armenian market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
FINCA Armenia social profiles
Digital presenceFINCA Armenia financial estimates
Financial estimateRevenue estimate
Valuation estimate
FINCA Armenia leadership team
Management profileNumber of profiles
FINCA Armenia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FINCA Armenia 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 FINCA Armenia
What does FINCA Armenia do?
FINCA Armenia provides microloans, business loans, agricultural loans, and consumer loans to individuals and small businesses in Armenia. The company operates as a for-profit microfinance institution serving underserved borrowers with limited access to traditional banking channels. Founded in 1999 and headquartered in Yerevan, it employs 251-500 staff to deliver its lending operations.
When was FINCA Armenia founded?
FINCA Armenia was founded in 1999. It employs 101 to 250 people.
Where is FINCA Armenia based?
FINCA Armenia is headquartered in Yerevan, Armenia, in the Asia region.
Who are FINCA Armenia's main competitors?
Direct peers on record are VisionFund International, ACBA Bank, ProCredit Bank Armenia and CARD (Center for Agricultural Research and Development). Broad incumbents are Converse Bank, Ameriabank, FINCA International, Ardshinbank and BRAC Microfinance. TBC Bank Georgia is listed as a regional player.
Does FINCA Armenia have an API?
No public API is recorded for FINCA Armenia.
What industry is FINCA Armenia in?
FINCA Armenia's product category is Microfinance. Its primary akta.pro industry code is FSAKAGAA, Microloans & Working Capital Loans, with a secondary code of FSAKAGAG, Agricultural & Rural Microfinance. Its NAICS code is 522 and its SIC code is 6141.