Powering Smarter Purchases.
FINEXA is a digital shopping-finance and merchant-payments platform, owned and operated by FINAEXA FINANCE PRIVATE LIMITED, a private limited company incorporated in India (CIN U64990AS2025PTC028047) with its registered office in Assam.
Our mission
Make responsible, transparent purchase finance simple for shoppers and the merchants who serve them.
Our model
We run everything ourselves: onboarding, credit decisions, EMI loans, collections, merchant integration and settlements. Our lending is funded through a credit facility from Capital Small Finance Bank Limited.
Our principles
Responsible lending
A Board-approved credit policy, with every approval checked by two people.
Clear pricing
A Key Fact Statement and APR before every commitment, with no hidden fees.
Fair collections
Respectful reminders, reasonable hours, and no harassment.
Security & audit
Encrypted personal data, role-based access and a tamper-evident audit log.