Name: Comprehensive SWOT Analysis Of Finzy - 2025 | IIDE
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<div class="raw-html-embed"><div data-bglz="1" class="et_pb_text_inner"><div data-bglz="1" class="dcf-overflow-x-auto" tabindex="0"><h2><b>About Finzy</b></h2><p><img decoding="async" class="wp-image-290043 alignnone " src="https://iide-media.blr1.cdn.digitaloceanspaces.com/production/upload-1736879649391-37dbcd4b660eb4017bc1fa94b0dc9363.webp" alt="SWOT Analysis of Finzy" width="441" height="245"></p><p><span style="font-weight: 400;">Finzy was founded in 2016 by the founder Amit More with an ambition to make the entire borrowing process simple and user friendly for the ones who are in need. Finzy is a seed company and the employee strength at Finzy is 11 to 50. Finzy strives to get borrowers the loan in the quickest turnaround time, at the lowest rate of interest and in a hassle-free manner. The team of Finzy are professionals who have excelled in their fields ranging across finance, technology, product, sales, marketing and leadership.</span></p><div data-bglz="1" class="dcf-overflow-x-auto" tabindex="0"><table class="dcf-table dcf-table-bordered dcf-table-striped"><caption><strong>Quick Stats on Finzy</strong></caption><tbody><tr><th scope="row">Founder</th><td data-label="Founder">Amit More</td></tr><tr><th scope="row">Year Founded</th><td data-label="Year Founded">2016</td></tr><tr><th scope="row">Origin</th><td data-label="Origin">Bangalore, Karnataka, India</td></tr><tr><th scope="row">No. of Employees</th><td data-label="No. of Employees">11-50+</td></tr><tr><th scope="row">Company Type</th><td data-label="Company Type">Private</td></tr><tr><th scope="row">Market Cap</th><td data-label="Market Cap">N/A</td></tr><tr><th scope="row">Annual Revenue</th><td data-label="Annual Revenue">$149K (2021)</td></tr><tr><th scope="row">Net Income/ Profit</th><td data-label="Net Income/ Profit">N/A</td></tr></tbody></table></div><div data-bglz="1" class="dcf-overflow-x-auto" tabindex="0"><h3><b>Products &amp; Services by Finzy</b></h3><p><span style="font-weight: 400;">Finzy has been in the loan industry and so it provides plans &amp; services in-</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Debt consolidation loans</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Renovation loans</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Healthcare loans</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Auto loans</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Business loans</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Purchase loans</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Flexible loan amounts, terms, and repayment options</span></li></ul><h3><b><br>Competitors of Finzy</b></h3><p><span style="font-weight: 400;">Finzy competes with many other loan providers. The top 5 competitors of Finzy are –</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">CommonBond</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">4Finance</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Assetz Capital</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Afluenta</span></li></ul><p><span style="font-weight: 400;"><br>Now, we have a clear picture of the company’s core business. Let’s talk about the SWOT Analysis of Finzy.</span></p><h2><b><br>SWOT Analysis of Finzy&nbsp;</b></h2><p><span style="font-weight: 400;">A SWOT analysis examines the strengths, weaknesses, opportunities, and threats that a firm faces. SWOT Analysis is a tried-and-true tool that enables a company like Finzy to compare its business and performance to that of its competitors.</span></p><p><span style="font-weight: 400;">It will give us a strategic analysis of its internal and external environment, which is crucial for understanding the SWOT Analysis of Finzy.</span></p><p><span style="font-weight: 400;">To better understand the SWOT analysis of Finzy, refer to the infographics below:</span></p><p><img decoding="async" class="wp-image-290040 aligncenter size-full" src="https://iide-media.blr1.cdn.digitaloceanspaces.com/production/upload-1736879650620-857eb78703845037be5eb779097dac60.webp" alt="SWOT Analysis of Finzy - SWOT Infographics of Finzy" width="750" height="500" data-srcset="https://iide.co/wp-content/w3-webp/uploads/2022/05/SWOT-Analysis-of-Finzy-SWOT-Infographics-of-Finzy.pngw3.webp 750w, https://iide.co/wp-content/uploads/2022/05/SWOT-Analysis-of-Finzy-SWOT-Infographics-of-Finzy-480x320.png 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 750px, 100vw"></p><p><span style="font-weight: 400;">Below is an explicit guide to the SWOT analysis of Finzy.</span></p><h3><b>Strengths of Finzy</b></h3><ul><li style="font-weight: 400;" aria-level="1"><b>Getting Funds: </b><span style="font-weight: 400;">Peer-to-peer lending platform – Finzy is raising funding and recently </span><a href="https://www.livemint.com/" rel="nofollow noopener noreferrer" target="_blank"><span style="font-weight: 400;">it has successfully raised $2 million</span></a><span style="font-weight: 400;"> in a bridge round where larger fintech, including BharatPe and Cred, trusted the seed company and invested in it.</span></li><li style="font-weight: 400;" aria-level="1"><b>Affordable Rate:</b><span style="font-weight: 400;"> Finzy is an RBI registered platform and it is providing quick personal loans at the lowest interest rates of 7.99 per cent per annum to help people tide over hardships caused by the COVID-19 pandemic.</span></li><li style="font-weight: 400;" aria-level="1"><b>Tech Enabled:</b><span style="font-weight: 400;"> The loan provider prices its loans on the basis of the user’s inspection of a credit risk premium as confined by its internally generated credit algorithm which tests a customer reimbursement power against 130 different parameters ensuring Finzy does not get in huge amounts of lendings.</span></li><li style="font-weight: 400;" aria-level="1"><b>Broad Range of Portfolio:</b><span style="font-weight: 400;"> One biggest strength that Finzy has is that it offers a wide range of loan services to its customers ranging from debt consolidation loans, renovation loans, healthcare loans, auto loans, business loans, and purchase loans with flexible loan amounts, terms, and repayment options.</span></li><li style="font-weight: 400;" aria-level="1"><b>Automation of Activities:</b><span style="font-weight: 400;"> Successful automation of business loan activities with a well-developed IT structure and Infrastructure has made the overall efficiency better.&nbsp;&nbsp;&nbsp;&nbsp;</span></li><li style="font-weight: 400;" aria-level="1"><b>Talent Management – </b><span style="font-weight: 400;">Human resources are crucial to Finzy Ltd’s growth in the Consumer Financial Services market. The company employs a highly qualified team. This is due to their outstanding training and education programmes.</span></li><li style="font-weight: 400;" aria-level="1"><b>Technology and Guidance:</b><span style="font-weight: 400;"> They use their application to provide loans so people don’t need to go outside for the loans and it also guides how to use the app. Also, Finzy guides its customers on how to use apps and how to process loans and how to pay the amount of a loan in instalments.</span></li><li style="font-weight: 400;" aria-level="1"><b>User-Friendly Application: </b><span style="font-weight: 400;">The digital application created by Finzy is user friendly that can easily be usable by users to get a loan. It is a 6-step process through which borrowers can easily get their loan funded in as little as 48 hours. The application makes the entire borrowing process simple and user friendly.</span></li></ul><ul></ul><h3><b><br>Weaknesses of Equitas Holdings</b></h3><ul><li style="font-weight: 400;" aria-level="1"><b>Time Started:</b><span style="font-weight: 400;"> Company started in 2016 the company has only 6 years of experience compared to others it has less experience. Other companies like CommonBond are 3 years older than Finzy. The company needs more experience and more brand awareness.</span></li><li style="font-weight: 400;" aria-level="1"><b>Marketing: </b><span style="font-weight: 400;">The Finzy company doesn’t use digital marketing. They need to do brand awareness so that people will know the company exists and provide low-interest personal loans. Marketing is the thing that the company shouldn’t ignore.</span></li><li style="font-weight: 400;" aria-level="1"><b>Legal Regulation: </b><span style="font-weight: 400;">There are so many countries that consider soliciting investment from general people illegal. In short, many countries consider peer-to-peer illegal.</span></li><li style="font-weight: 400;" aria-level="1"><b>P2P: </b><span style="font-weight: 400;">There are lots of disadvantages of P2P lending. There is a credit risk, no insurance/government protection in P2P, legislation. Altho peer-to-peer provides a low amount of interest to borrowers and high returns to investors, it has lots of disadvantages compared to advantages.</span></li><li style="font-weight: 400;" aria-level="1"><b>Low Investment in New Technologies:</b><span style="font-weight: 400;"> Given the scale of the expansion and the multiple geographic regions in which the company will expand, Finzy’s overall integrating processes require more money to be invested in technology. Current investments in technology are not aligned with the company’s vision.&nbsp;</span></li><li style="font-weight: 400;" aria-level="1"><b>Falling Revenue:</b><span style="font-weight: 400;"> The company revenue for the Calendar Year 2020 dropped to USD 149K down from 209K in the Calendar Year 2019.&nbsp;</span></li></ul><h3><b><br>Opportunities for Finzy</b></h3><ul><li style="font-weight: 400;" aria-level="1"><b>Reach Customers: </b><span style="font-weight: 400;">Finzy should reach businesses that require loans for their business and make them a customer. Start-ups need loans to grow their business.</span></li><li style="font-weight: 400;" aria-level="1"><b>New Customers Through Online Channels:</b><span style="font-weight: 400;"> The company has invested huge amounts of money in its online platform over the past few years. This investment opened up a new sales channel for Finzy. Over the next few years, companies will be able to seize this opportunity by better understanding their customers and meeting their needs through big data analytics.</span></li><li style="font-weight: 400;" aria-level="1"><b>Technological Advancements:</b><span style="font-weight: 400;"> Technology provides various benefits in a variety of fields. Costs can be saved by self-operating. Technology allows for much better data collection on customers and improves marketing efforts.</span></li><li style="font-weight: 400;" aria-level="1"><b>Government Support: </b><span style="font-weight: 400;">The company should seek financial support from the government of India because the company operates in a sector in which the government involvement is very high. Finzy can get subsidiary support from the government.</span></li><li style="font-weight: 400;" aria-level="1"><b>Interest Rate:</b><span style="font-weight: 400;"> Lower interest rates than compared to previous years provides an opportunity for Finzy to undergo expansion projects that are financed with loans at a cheaper interest rate.</span></li></ul><h3><b><br>Threats to Finzy</b></h3><ul><li style="font-weight: 400;" aria-level="1"><b>Competitor Raising Funds: </b><span style="font-weight: 400;">Finzy raised $502k in 2020 and </span><a href="https://tracxn.com/d/companies/finzy.com" rel="nofollow noopener noreferrer" target="_blank"><span style="font-weight: 400;">it again raised $2M of the total fundraising in 2021</span></a><span style="font-weight: 400;">. Finzy raising this huge amount of funds is threatening in terms of the company getting into huge debts.</span></li></ul><ul><li style="font-weight: 400;" aria-level="1"><b>New Entrants: </b><span style="font-weight: 400;">A mow down of new players have entered the market and are gaining market share taking up the market share of existing companies. Finzy faces a threat because these new entrants may steal its customers.</span></li><li style="font-weight: 400;" aria-level="1"><b>Customer Reimbursement: </b><span style="font-weight: 400;">Although, the company system is equipped with a robust credit algorithm analyser which tests users’ reimbursement power against 130 different parameters. But, if somehow the borrower fails to repay the debt in the allowed time frame would ultimately cost the company and investors getting into huge amounts of money lending.</span></li><li style="font-weight: 400;" aria-level="1"><b>Competitor Technical Advancements: </b><span style="font-weight: 400;">New technological progress by a few competitors within the sector constitutes a threat to Finzy since customers who are drawn to this new technology may switch to competitors, reducing Finzy’s overall market share.</span></li><li style="font-weight: 400;" aria-level="1"><b>Lack of Proper Cyber Security Systems:</b><span style="font-weight: 400;"> The current financial industry relies entirely on the cyber-world. Whether it is data storage, monetary transactions, or personal information, everything is stored digitally. This makes the financial sector a primary target for hackers who are seeking to benefit financially by leveraging flaws in the financial’s digital infrastructure. Institutes need to take effective cybersecurity steps to safeguard their records, they will face a significant cyberspace threat.</span></li></ul><p><span style="font-weight: 400;"><br>This ends our extensive SWOT analysis of Finzy. Let us conclude our learning below.</span></p></div></div></div></div>

<div class="raw-html-embed"><div data-bglz="1" class="et_pb_text_inner"><h2><b>To Conclude</b></h2><p><span style="font-weight: 400;">Finzy is a loan institution providing consumer loans to the ones who need them. In the SWOT Analysis of Finzy, we observed that the company is yet to enjoy strong brand recognition and trust with its customers.</span></p><p><span style="font-weight: 400;">With increasing competition in a new vertical, companies are yet to learn how to fight their own battle by winning over their customers with better marketing efforts. In a changing world where digital marketing is of great importance, being well aware and having hands-on knowledge in the field is a must for all marketing enthusiasts.&nbsp;</span></p><p><span style="font-weight: 400;">If you are looking forward to making your career in digital marketing and are interested in learning more and upskilling, check out </span><a href="https://iide.co/online-digital-marketing-course/?swcfpc=1"><span style="font-weight: 400;">IIDE’s 3 Month Advanced Online Digital Marketing Course</span></a><span style="font-weight: 400;"> to know more.</span></p><p><span style="font-weight: 400;">We hope this blog on the SWOT analysis of Finzy has given you a good insight into the company’s strengths, weaknesses, opportunities and threats.</span></p><p><span style="font-weight: 400;">If you enjoy in-depth company research just like the SWOT analysis of Finzy, check out our </span><a href="https://iide.co/case-studies/swot-analysis-of-suzuki/#:~:text=IIDE%20Knowledge%20portal."><span style="font-weight: 400;">IIDE Knowledge portal</span></a><span style="font-weight: 400;"> for more fascinating case studies.</span></p><p><span style="font-weight: 400;">Thank you for taking the time to read this, and do share your thoughts on this case study of the SWOT analysis of Finzy in the comments section below.</span></p></div></div>

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Looking for a SWOT analysis of Finzy? Here in this blog, we have covered the strengths, weaknesses, opportunities and threats of the company.

Comprehensive SWOT Analysis Of Finzy - 2025 | IIDE

<div class="raw-html-embed"><div class="et_pb_text_inner"><p><span style="font-weight: 400;">In our previous blog, we did a comprehensive study on the SWOT Analysis of the largest broadband communication company in the United States, </span><a href="https://iide.co/case-studies/swot-analysis-of-spectrum/"><span style="font-weight: 400;">Spectrum</span></a><span style="font-weight: 400;">. Here we will understand the </span><b>SWOT Analysis of Finzy</b><span style="font-weight: 400;">.</span></p><p><span style="font-weight: 400;">The objective is to help you throw light on Finzy which connects personal loan borrowers with investors and makes borrowing and investing easier through digital mediums.</span></p><p><span style="font-weight: 400;">Another aspect that made Finzy the massive it is now, is its marketing efforts. As the world goes online, marketing is changing and if you are curious in learning about the latest – check out our </span><a href="https://masterclass.iide.co/video/digital-marketing-fundamentals"><span style="font-weight: 400;">Free MasterClass on Digital Marketing 101</span></a><span style="font-weight: 400;"> by the CEO and Founder of IIDE, Karan Shah.</span></p><p><span style="font-weight: 400;">In this case study, we will learn about the SWOT analysis of Finzy. But first, let us know about the company and the product better.</span></p></div></div>

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SWOT Analysis of Finzy: Platform for Borrowers & Investors

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