Supply Chain Financing

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*This is a proposition by Finja Lending Services

We understand that running a business is a tough job but financing it shouldn’t be, so we have made it our business to make yours easier. Finja has an exclusive agreement with large distributors and FMCGs who together want to help you make smart financial decisions to optimize the bottom line. This real time digital credit is an innovative and evidence based financial solution to kickstart business growth.

Who is this for?

This credit solution is the right choice for retail businesses who are looking for the extra kick to purchase additional inventory, discount invoices, introduce new products and any other capital needs. This is a digital and instant credit solution so you can apply as a retailer in any part of the country. Interested retailers have to apply just once to register their profile and they will have access to the Finja App from where they can request for credit repeatedly. Finja is partnered with large distributors and FMCGs which allows retailers to buy products on credit directly and enjoy special promotions! Those retailers looking for a hassle free option with competitive fee are at the right place.

How does it work?

The process is completely digital and requires no paperwork at all. We’ve made it simple and easy. Follow the simple steps below to avail your instant credit now!

Fill out this online application . Your credentials will help our algorithms come up with the best solution for you. We churn out the loan amount that suit your needs and an amount that you can repay easily.

Once we have approved your application all you need to do is download the Finja App.

Select ‘loans’ in the Finja App and here you will see a list of your pre-approved loans. Select ‘Supply Chain Financing’ and request the amount you wish to credit. Confirm the amount and the due date (30 day tenure)

The amount will be instantly credited net of service fee (2.5%-3%) to your wallet and you can make payments for your invoices directly using the Finja App .

Select ‘loans’ and click on ‘repay’. Enter the payable amount. This will instantly be reflected towards your balance. Once you have repaid the payable amount you can apply again just through the app now.


1.How can I apply?
If you are a retailer looking for capital to grow your business then all you need to do is fill out this online application and follow the simple steps above. However, if that is not the case then we have other options for you to choose from.
Supply chain financing follows a tenure of 30 days with weekly repayment options for you to reinvest into your business quickly. Shorter sales cycle, rapid growth and the optimal bottom line. To repay the loan simply log on to your Finja App and select the loans tab. Select ‘repay’ and enter the payable amount. This will be reflected instantly towards your loan balance. The collection process is digital which makes it quick and hassle free. There is also a cash-based repayment option for you.
The tenure of this loan is 30 days to match your sales cycle making it easy for you to manage your budget. However, in the unlikely event you are not able to repay you can call us in with your concerns and we can find a way out for you. We have a team of specialised advisors that can help you consolidate your debt so it does not negatively impact your credit history and does disrupt the relationship between you and your distributor.
The form you fill out allows our real time algorithms that use AI and machine learning to determine the loan amount using your credentials. The algorithms churn out the most suited loan amount for you. Our business analysts come up with the optimal capital amount upon assessing your business credentials.
This is an exclusive financial solution tailored towards retailer with competitive service fee. There is a service fee ranging from 2.5%-3% taken upfront before the loan is disbursed. The fee depends on your past repayment history,your previous sales cycle, any other debt, the credibility of your credentials and other variants that our algorithm uses.
We are here and happy to help with any questions or concerns. There are a number of ways you can reach us.

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