Real USD yield. Real businesses. One marketplace.
Finnoba connects investors with idle USD to the businesses banks overlook. Investors earn 20–30% in USD; businesses get credit in minutes — no collateral, no bank.
USD-denominated·Decisions in minutes·Default rate under 5%
Capital deployed
$12.4M
across LATAM
Loans funded
1,840
$1K–$10K tickets
Avg. investor yield
24%
in USD
Default rate
< 5%
and falling
Why Finnoba
A fairer way to lend and to borrow in USD.
No collateral
Credit on cash flow, not assets
We score businesses on real cash flow and reputation — so a great business with no property or bank history still qualifies.
Minutes, not weeks
Fully digital, apply to payout
Identity, scoring and signature happen online. A decision in minutes and USD in the account — not a branch visit.
Real yield
20–30% in USD, backed by loans
Investor returns are paid by real businesses repaying real loans — not speculation, and never crypto.
Built for LATAM
Where banks won't go
Finnoba serves the SMEs, freelancers and independents the formal system overlooks, across the region.
How it works
Two sides, one simple flow.
For investors
1
Add USD to your account
Fund your balance and set how much you want to put to work.
2
Pick loans or auto-diversify
Choose businesses yourself, or let Finnoba spread you across many.
3
Earn as they repay
Businesses repay monthly in USD — you collect 20–30% a year.
For businesses
1
Apply in minutes
Tell us about your business and connect your cash-flow history.
2
Get a decision fast
We score you on real performance — no collateral, no bank required.
3
Receive USD, repay monthly
Funds land in your account; you repay in fixed monthly installments.