FINCA

Last update - 21.07.2026

FINCA Universal Credit Organization CJSC was registered and licensed in March 2006. Central Bank of the Republic of Armenia License No. 13.

FINCA Armenia began its operations in 1999 as a non-profit organization, providing small loans to farmers and small business owners.

FINCA Armenia is a pioneer in expanding access to financial services. Backed by years of experience and the support of a global network, we provide services that help our customers achieve their financial goals and build a better future.

FINCA Armenia empowers its customers by providing the products, services, and financial education they need most to improve their standard of living and build financial health and resilience.

We are committed to expanding access to financial services throughout Armenia, particularly for women and rural entrepreneurs who have traditionally been underserved and have lacked access to tailored financial solutions. FINCA Armenia provides transparent, personalized services and programs that contribute to the growth of local communities.

FINCA Armenia has been awarded the Client Protection Gold Certificate by the international rating agency MFR, based on the assessment methodology and guidelines of Cerise+SPTF. This certification confirms that FINCA Armenia meets the highest Client Protection Standards established under the Cerise+SPTF Universal Standards for Social and Environmental Performance Management.

FINCA Universal Credit Organization CJSC currently operates a network of 33 branches across all regions of Armenia and offers the following loan products:

Business Loans – designed for entrepreneurs who wish to develop and/or expand their businesses.

Agricultural Loans – designed for individuals engaged in agriculture who require financing to grow and develop their farming activities.

Consumer Loans – designed for individuals who need financing for a variety of personal consumption purposes.

Mortgage Loan – provided for the purchase of residential real estate.

CAR Insurance Loan – designed to provide a fast, convenient, and exclusive way to finance the annual mandatory Motor Third-Party Liability insurance. This loan product is unique in the Armenian financial market.

Women in Business – a loan product developed to provide accessible financing for women entrepreneurs to establish and grow their businesses.

Agro Tetev Cash – receive financing through a fast loan approval process and secure the funds needed to develop your agricultural activities.