.png)
ringing digital credit to 200M+ underbanked consumers in emerging markets
Flashpoint has provided a $10 million growth debt facility to Fintech Farm, the UK-based fintech that builds and operates digital consumer banks in partnership with local financial institutions across emerging markets.
Fintech Farm operates across six markets: Azerbaijan, Kyrgyzstan, Uzbekistan, Morocco, Vietnam, and India. The company provides a mobile application alongside a full end-to-end technology stack, covering core banking infrastructure, credit decisioning, and customer lifecycle management. It develops proprietary credit engines and AI-driven risk models, and implements data-led customer acquisition and retention strategies. In addition, Fintech Farm focuses on designing customer service experiences aimed at driving high engagement and long-term customer loyalty, rather than mere usage.
Fintech Farm has reached 3.5 million customers and facilitated over $200m loan book globally. . India and Vietnam are Fintech Farm’s next significant growth targets.
Fintech Farm has raised $75 million in capital to date - from multiple investors, including FlyerOne, Redseed, TA Ventures and Nordstar. The Flashpoint facility will be deployed directly into India and Vietnam projects to further accelerate growth.
"Fintech Farm has cracked the code on repeatable, capital-efficient digital banking in markets where traditional lenders have failed to adopt digital solutions. The company’s credit engine allows it to serve a vast underbanked population with limited access to traditional credit products while maintaining remarkably low delinquencies. We are extremely excited to support Fintech Farm’s next leg of growth," commented Denis Mosolov, Managing Partner, Flashpoint Growth Debt
"Flashpoint understands emerging markets and moves at founder speed. This facility lets us double down on India and Vietnam without diluting equity - exactly the right instrument at the right moment," added Dmytro Dubilet, CEO, FinTech Farm
About Fintech Farm
Fintech Farm partners with traditional banks to build and operate digital banks, commonly referred to as neobanks. The company provides a mobile application alongside a full end-to-end technology stack, covering core banking infrastructure, credit decisioning, and customer lifecycle management. It develops proprietary credit engines and AI-driven risk models, and implements data-led customer acquisition and retention strategies. In addition, Fintech Farm focuses on designing customer service experiences aimed at driving high engagement and long-term customer loyalty, rather than mere usage. For more information, visit www.fintech-farm.com
