About Us

🌍 Our Story

Every year, more than 50 million Americans fall behind on payments. Not because they’re reckless, but because life happens — a job loss, a medical bill, or just one tough month.

The system punishes these moments with late fees, damaged credit, and aggressive collections. Borrowers feel trapped. Lenders absorb charge-offs. Trust breaks.

At Fynancr, we believe recovery shouldn’t punish people — it should protect them.

Our mission is simple: give borrowers a safe way back and give lenders a smarter way forward.

We’re building Recovery-as-a-Service™ — infrastructure that lets lenders step in before defaults with solutions that keep borrowers in good standing and reduce portfolio losses.

Our flagship feature, Recovery Mode™, is a short-term, lender-approved plan that allows smaller payments during hardship.

• For borrowers → Relief, dignity, and credit protection.
• For lenders → Fewer charge-offs, stronger customer retention, and compliance-ready recovery infrastructure.

Unlike collections or deferments, Recovery Mode™ is built to align both sides — protecting people and backing banks.

• Dignity First → No shame, no blame. Just support.
• Trust by Design → Secure, compliant, and built with lender partnerships.
• Protection Over Punishment → We safeguard borrowers’ futures and lenders’ portfolios.
• Partnership for Scale → Together with banks, credit unions, and lenders, we set a new industry standard.

We believe the future of lending isn’t just about giving more access — it’s about more protection when it matters most.

That’s why our goal is to protect 50 million borrowers, reduce billions in annual charge-offs, and make Recovery Mode™ the standard for modern finance.