New Delhi, July 29th, 2025: Foxhog Ventures, a leading India US venture capital has announced the launch of FINKO, a digital-first, microfinance segment Rooted in grassroots impact, Foxhog is committed to supporting early-stage startups across the globe. With FINKO, the firm aims to revolutionize access to credit for individuals and small businesses, especially in underserved regions. At a time when the industry is rethinking fast-and-loose ‘Buy Now, Pay Later’ models, FINKO offers a more responsible alternative: regulated, KYC-compliant, EMI-based credit for essential life needs. It’s not about indulgence; it’s about access, dignity, and the right timing.
Whether it’s a student funding their final semester, a family facing unexpected hospital bills, or a professional needing to travel urgently, FINKO’s “Pay Later” offerings are tailored to meet real-life situations without placing an upfront financial burden on the user.
In a rare milestone for a young, fintech-backed venture, FINKO aims to become fully operational from the new financial year, following the acquisition of an NBFC license from the RBI. At a time when securing regulatory approvals has become increasingly challenging, the support from Foxhog could prove instrumental in streamlining the process.
This move not only strengthens the platform’s capabilities but also underscores Foxhog’s commitment to responsible, transparent, and compliant lending practices.
Founded in 2020, Foxhog began with a bold vision: to bring capital, mentorship, and belief to underserved and underrepresented communities especially in Tier 2 and Tier 3 cities across India. Since its inception, it has supported over 100 small businesses and women-led enterprises, creating meaningful economic impact in regions often overlooked by traditional venture capital firms.
Tarun Poddar, Founder & CEO of Foxhog Ventures, said: “FINKO is an extension of what we’ve always stood for, i.e., making finance personal, inclusive, and empowering. It’s not just about providing a loan or credit, it’s about giving someone the confidence to take that next step, without being held back by financial limitations. We’ve seen time and again how a little timely credit can change someone’s life in minutes.”
He further added, “For most Indians, the difference between saying yes or no to life-changing opportunities, whether it’s an exam, a medical diagnosis, or a job interview overseas, often comes down to access to credit. With FINKO, we’re aiming to meet that human moment with a bit of financial breathing room.”
India’s fintech landscape is rapidly evolving. Leading players are increasingly moving away from short-term ‘Buy Now, Pay Later’ models in favour of longer-tenure, structured, and KYC-compliant EMI-based lending. This transition reflects a more mature and regulated market, one where FINKO’s mission to provide secure, flexible “Pay Later” solutions for real needs becomes even more timely and relevant. With FINKO, Foxhog is not just offering credit; it’s offering opportunity, dignity, and a more inclusive financial future.
