Financial Services (Finjo)
Financial Power for Every Business Owner
KBS Financial Services is the fintech vertical of KBS Group, building the financial infrastructure that lets business owners — from the neighborhood retailer to the growing enterprise — access money, move money, and grow with money, without the friction of traditional banking.
Who We Are
KBS Financial Services exists to close the gap between what small and mid-sized business owners need financially and what traditional financial institutions are built to offer them. As the financial services vertical of KBS Group, we design payment, credit, and lending infrastructure with one audience in mind: business owners who've been underserved by conventional finance — and who deserve better.
What We Offer
Payment Gateway Services
Secure, reliable payment collection infrastructure that lets business owners accept payments the way their customers want to pay — built for uptime and built for scale.
Payout Services
Fast, dependable disbursement infrastructure for businesses that need to pay out vendors, partners, or employees without manual, delay-prone processes.
Buy Now, Pay Later (BNPL)
We're rolling out BNPL specifically for mid and small retail business owners — giving them the ability to offer flexible payment options to their customers, drive higher order values, and stay competitive with larger retail chains, all without carrying the credit risk themselves.
Business Loans
Lending built for business owners who don't fit the paperwork-heavy mold of traditional bank loans — faster access to working capital, sized and structured around real business cash flow.
What's Next in Financial Services
We're expanding BNPL access to mid and small retail business owners as a core focus — putting a financing tool once reserved for large retailers directly into the hands of neighborhood and growing businesses. Alongside this, we're introducing a new set of financial services designed specifically around what business owners actually need day-to-day — not repackaged consumer products, but tools built for the realities of running a business.
Why KBS Financial Services
Built for Business Owners, Not Just Banks
Every product starts from the business owner's cash-flow reality.
Retail-First BNPL
Designed to help small and mid-sized retailers compete, not just process payments.
Group-Backed Stability
Part of KBS Group: One Group, Every Solution.
Full-Stack Financial Infrastructure
Payments, payouts, credit, and lending under one trusted partner.
Built to Grow With You
Services designed to scale as a business scales, not products that get outgrown.