Digital wallets, AI-driven credit insights, and smart lending solutions — transforming how logistics companies access and manage financial services across supply chains.
Finova Technologies Pte. Ltd. is a Singapore-based fintech company specializing in digital payments and smart lending solutions for the logistics and e-commerce industry. We enhance efficiency and transparency in supply chains through tailored, embedded financial services.
Built by FinSurgents — a leading provider of embedded financial solutions — Finova integrates Banking-as-a-Service (BaaS) and Banking-as-a-Platform (BaaP) capabilities directly into logistics workflows, empowering businesses to seamlessly access payment and lending functionalities without leaving their operational platforms.
Since our pilot launch in February 2025, the platform has been deployed with select retail clients, facilitating financing for over 2.5 million shipments, processing $125 million in wallet throughput, and generating $25 million in lending throughput — all while maintaining an NPL rate of less than 0.01%, proving the transformative potential of embedded finance in logistics at scale.
Incorporated as Finova Technologies Pte. Ltd., operating from Singapore's thriving fintech ecosystem
Banking-as-a-Service and Banking-as-a-Platform offerings embedded into logistics operations
Purpose-built for e-commerce and supply chain finance — not a generic fintech retrofit
Machine learning credit engines for real-time risk assessment and instant lending decisions
Three integrated modules powering merchant payments, working capital, and credit intelligence for logistics operators.
A digital wallet powering merchant payments and real-time financial insights. Virtual merchant accounts give logistics operators full control over fund flows, settlements, and reconciliation.
COD-backed working capital loans, invoice discounting, and advanced loan book management — enabling merchants to access capital against their logistics receivables.
ML-driven tool for real-time credit assessment and lending decisions — analyzing logistics data, shipment histories, and merchant behaviour to reduce risk while expanding access to capital.
Secure Logistics Group Limited (SLG-Trax), a publicly listed 4PL entity on the Pakistan Stock Exchange rated A+ by PACRA, has executed a binding Head of Terms for the acquisition of Finova's full intellectual property suite — completed in March 2026, marking the first major logistics-to-fintech crossover in the region.
SLG-Trax operates four subsidiary companies, offering first-to-last mile logistics, e-commerce fulfilment, warehousing, IoT asset tracking, and in-house security across a network of 9,000 retail and 300 corporate e-commerce clients.
Through its wholly-owned subsidiary LogiServe (Pvt) Ltd, which received an NBFC license from SECP on August 19, 2025 — along with FinTech category coverage under its STZA license — digital lending becomes SLG-Trax's sixth income stream, joining logistics, e-commerce, warehousing, IoT, and security services.
The platform is backed by digital lending facilities of up to Rs 500 million being arranged with multiple financial institutions, with expectations of a material positive impact on the company's financial results for FY2026.
Embedded finance that plugs directly into your logistics workflow.
Connect Finova's modular API suite into your logistics platform. Our architecture is designed to slot into existing workflows — from shipment management to merchant portals — without disrupting operations.
Enable digital wallets for merchant settlements, activate COD-backed financing, or deploy AI credit scoring — choose the modules your business needs. Each module operates independently or as a unified platform.
Deploy across your full merchant network. Our pilot with SLG-Trax has scaled to 2.5 million shipments financed with $122M in wallet throughput and $25M in lending — all at an NPL rate below 0.01%, proving the platform handles massive volumes reliably.
Instant payouts. AI-driven credit insights. Smarter transactions. We're building the operating system where logistics companies don't just move goods — they move money, access capital, and manage risk in a single platform.
First-to-last mile
Fulfilment & COD
Storage & distribution
Asset monitoring
In-house operations
Powered by Finova
"Pakistan's SLG-Trax Eyes Acquiring Singapore's Finova" — our acquisition story was featured across leading business and technology publications, from Business Recorder to TechJuice, marking a milestone for logistics-fintech convergence in the region.
