DigiKhata Financial Services Ltd. has announced that it has been granted a Non-Banking Finance Company (NBFC) lending license by SECP, marking a major expansion in its role within Pakistan’s fintech landscape. The new license allows DigiKhata to move beyond its established services in digital bookkeeping and payments facilitation into regulated digital credit solutions designed to meet the financing needs of small and medium-sized enterprises (SMEs) and micro, small and medium-sized enterprises (MSMEs).
Millions of businesses across Pakistan already use DigiKhata’s platform for financial recordkeeping and payment solutions. With the introduction of regulated lending, the company aims to directly tackle one of the most pressing challenges for small businesses: access to credit. By providing tailored digital financing options, DigiKhata is positioning itself as a key player in driving financial inclusion and addressing the gaps that have long hindered SME growth in the country.
The expansion into digital lending aligns with DigiKhata’s broader mission to support entrepreneurship and innovation within Pakistan’s economy. By enabling access to regulated credit, the platform will empower underserved entrepreneurs, many of whom struggle to secure financing through traditional banking channels. The company emphasizes that its new lending solutions will be designed with flexibility and accessibility in mind, ensuring that businesses of varying sizes can benefit from streamlined digital processes.
This milestone also reflects SECP’s ongoing efforts to foster innovation in Pakistan’s financial services sector by enabling fintech companies to develop regulated solutions that address real market needs. DigiKhata acknowledged SECP’s role in creating a supportive regulatory framework that makes it possible for technology-driven financial services providers to contribute meaningfully to economic growth.
By entering the digital lending space, DigiKhata is not only expanding its service portfolio but also reinforcing its role in Pakistan’s digital transformation. The company’s move highlights how fintech innovation can bridge structural gaps in the financial ecosystem, promote economic resilience, and drive long-term growth for SMEs that form the backbone of the country’s economy.
The development is a significant step forward for DigiKhata as it transitions from a platform primarily known for bookkeeping and payments into a comprehensive financial services provider. With regulated lending now part of its offerings, the company aims to accelerate financial inclusion while contributing to Pakistan’s digital economy on a much larger scale.
