What Fintrex Finance PLC does

Fintrex Finance PLC is a Sri Lankan licensed non-bank finance company that has operated since 2007 (originally as Melsta Regal Finance Ltd), currently owned by Bluestone 1 (Pvt) Limited and listed on the Colombo Stock Exchange as of March 11, 2025. It provides a diversified suite of financial products including vehicle leasing under the Easy Leasing brand (covering four-wheelers, three-wheelers, and two-wheelers), gold-backed loans under the Ran Shakthi brand, mobile and laptop financing, savings accounts, fixed deposits under the Vishwasa brand, and structured savings plans under the Dream Plan brand. It holds a Fitch BB (lka) credit rating and operates under Central Bank of Sri Lanka licensing, with an 18-branch distribution network across the country.

The company serves a broad customer base spanning SMEs, salaried employees, self-employed individuals, corporate clients, and transport operators, accessed through branches supplemented by dealer partnerships (KayJay Electronics, SnapPay) and direct digital onboarding channels. The business model is a classic spread-based NBFC: revenue is generated primarily from interest income on the lease and loan portfolio plus ancillary fee income, while funding is sourced from retail customer deposits (Vishwasa fixed deposits, savings accounts) and equity capital, including a Rs. 500 million Tier 1 capital injection received in March 2026. Following its March 2025 IPO and PLC conversion, the company has signaled reinvestment in balance sheet growth, with reported Q3 PAT up 352% and new product launches such as the June 2026 CCTV Loan Facility in partnership with KayJay Electronics.

Name

Fintrex Finance PLC

Legal name

Fintrex Finance PLC

Website

https://fintrexfinance.com

Company type

Public

Founded year

2007

Operating status

Operating

Short description

Fintrex Finance PLC is a Sri Lankan licensed non-bank finance company (CSE-listed since March 2025) that provides vehicle leasing, gold-backed loans, consumer financing, and retail deposits to SMEs, salaried, self-employed, and corporate customers via an 18-branch network.

Ownership category

akta.pro rank

Product category

Non-Bank Consumer Finance

NAICS

Sales Financing (52222), Depository Credit Intermediation (5221)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

akta.pro secondary industry

Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

• Vehicle leasing
• Gold loans
• Fixed deposits
• Consumer financing
• Savings accounts

Headquarters

HQ city

Colombo

HQ country

Sri Lanka

HQ region

Asia

Offices18 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Interest Income - Leasing: Revenue generated from vehicle leasing operations including four-wheeler, three-wheeler, and two-wheeler leasing with repayment terms up to 5 years.
2. Interest Income - Gold Loans: Revenue from gold loan facilities (Ran Shakthi) offering competitive interest rates on loans secured against gold jewellery.
3. Interest Income - Fixed Deposits: Deposit mobilization through Vishwasa Fixed Deposits with terms from 1-60 months, paying interest to depositors and earning spread.
4. Savings Account Interest: Interest income from savings accounts including Vishishta, Shreyshta, Pravishta, Flexy Fix, and Cash Build Up products with tiered interest rates.
5. Mobile and Laptop Loans: Financing for consumer electronics including mobile phones and laptops with affordable installment options.
6. High Yield Bonds: Debt instruments offered to investors providing higher yields, with prospectus available for investor relations.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Fintrex Finance PLC is a licensed non-bank finance company in Sri Lanka offering vehicle leasing (four-wheeler, three-wheeler, two-wheeler), gold-backed loans (Ran Shakthi), mobile and laptop financing, fixed deposits (Vishwasa), tiered savings accounts (Vishishta, Shreyshta, Pravishta, Flexy Fix), and structured savings plans (Dream Plan). Products are distributed through 18 branches and a vehicle/electronics dealer network across Sri Lanka.

Product overview

Fintrex Finance PLC offers a unified financial services portfolio consisting of lending products (Easy Leasing for vehicles, Mobile Loan, Laptop Loan, and Gold Loan under the Ran Shakthi brand) and deposit products (Fixed Deposits under Vishwasa, various Savings Accounts including Vishishta, Shreyshta, Pravishta, and Flexy Fix Money Market account, plus the Dream Plan structured savings product). The Easy Leasing suite includes specialized sub-products: Smart Draft and Over Drive for flexible vehicle financing, Dream Wheel for three-wheelers, Speed Wheel for two-wheelers, and Vehicle Loans for four-wheelers. The company operates as a non-bank financial institution licensed under Sri Lanka's Finance Business Act, providing services to salaried employees, self-employed individuals, SMEs, and corporate clients through branch network and dealer partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Easy Leasing

Quantifiable outcome

• Quick approval within one hour for three-wheeler loans
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered minor and core.

• KayJay ElectronicsminorStrategic or Co-development Partner · 9 June 2026Mou signed for launch of Fintrex CCTV Loan Facility, expanding consumer electronics financing offerings.
• SnapPayminorGTM or Marketing Partner · 3 February 2026Partnership for Game Changers Summit 2025 honoring outstanding mobile dealers. Joint marketing event for dealer network recognition.
• Ernst and YoungminorOthersExternal auditors providing independent financial statement audits.
• Vehicle Dealers NetworkcoreChannel Partner/ Reseller/ DistributorExtensive network of vehicle dealers across Sri Lanka including car, three-wheeler, and two-wheeler dealers who refer customers for leasing facilities. Over 100+ dealers listed including United Motors Lanka PLC, Toyota Lanka, and numerous independent dealers.
• Electronics and Laptop DealerscoreChannel Partner/ Reseller/ DistributorNetwork of laptop and mobile phone dealers across Sri Lanka for consumer electronics financing including ASUS, Dell, HP, Lenovo, and LOQ dealers.

Scale indicators6 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Commercial Credit PLC: Sri Lankan NBFI focused on microfinance, SME lending, and deposits. Comparable to Fintrex in serving SME and individual customers with similar deposit-funded lending model.
• Softlogic Finance PLC: Sri Lankan NBFI offering leasing, personal loans, gold loans, and deposits. Direct competitor to Fintrex in vehicle leasing and gold-backed lending with overlapping customer segments.
• LB Finance PLC: Leading Sri Lankan NBFI offering leasing, gold loans, fixed deposits, and savings products through a wide branch network. Closely comparable to Fintrex's product mix (vehicle leasing, gold loans, deposit mobilization) and customer segments (SMEs, individuals, three-wheeler operators).
• Central Finance PLC: Established Sri Lankan NBFI specializing in vehicle financing, hire purchase, and deposits. Direct competitor to Fintrex in the four-wheeler and three-wheeler leasing segments with a comparable deposit-funded business model.
• People's Leasing & Finance PLC: Sri Lanka's largest listed non-bank financial institution focused on leasing, hire purchase, and deposits. Directly comparable to Fintrex as a domestic NBFI competing for the same SME and vehicle-leasing customers, with substantially larger branch network and asset base.
• LOLC Finance PLC: Sri Lankan NBFI subsidiary of LOLC Group offering leasing, SME lending, and consumer finance. Comparable to Fintrex in product mix and growth-stage positioning in the Sri Lankan NBFI market.
• Orient Finance PLC: Sri Lankan NBFI offering leasing, personal loans, and deposits. Comparable to Fintrex in core lending products and SME/individual customer focus, with similar mid-tier market positioning.
• HNB Finance PLC: NBFI subsidiary of Hatton National Bank offering leasing, personal loans, gold loans, and deposits. Comparable to Fintrex in product breadth and customer segments, with similar three-wheeler and consumer financing focus.
• Siyapatha Finance PLC: Mid-sized Sri Lankan NBFI offering leasing, gold loans, and deposits with a comparable branch footprint. Similar scale and customer-base focus to Fintrex, often overlapping in three-wheeler and SME lending markets.
• Assetline Capital (Pvt) Ltd: Sri Lankan NBFI providing leasing, hire purchase, and factoring services, owned by LOLC Group. Direct competitor to Fintrex in vehicle leasing and SME financing with comparable product offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fintrexfinance
• LinkedInlinkedin.com/company/melsta-regal-finance-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fintrex Finance PLC