Independent
This site is not affiliated with any lender, regulator, political party, or debt-collection service.
Public-interest guide
Before you borrow, or if you are trapped, start here.
Check the lender, see the real cost, know your rights, and get help without giving us your details.
01
Pause before paying under pressure
02
Save messages, calls, screenshots, and receipts
03
Check the lender and the cost
04
Use the right complaint route
What this is
Plain help, not a hit piece.
Evidence-led
Every non-obvious claim is cited, or labelled confirmed, reported, or alleged.
Not advice
Use this as public education. For legal, financial, or mental-health decisions, contact a qualified professional or the relevant authority.
Sourced relationship graph
How they connect
A company, address, and group map drawn only from sourced relationships. It does not show individual people.
Line styles
- Same entitySolid line. Same registered company.
- Operator ofSolid arrow. Operator to lender brand.
- Parent ofSolid arrow. Parent group to company.
- Shared addressDashed line. Address finding, not ownership.
- Reported referralDotted line. Reported routing or referral.
- Industry memberFaint line. Reported industry-body link.
Relationships list
The same relationships are listed here for screen readers and for visitors without JavaScript.
| From | Relationship | To | Claim | Evidence |
|---|---|---|---|---|
| Fino.lkLender brand | Same entity | Monigo.lkLender brand | Same registered company - S F Group (Pvt) Ltd, PV00221752 | ConfirmedSource:monigo.lk T&C; Fino Agreement No. 31923406510 |
| S F Group (Pvt) LtdOperator | Operator of | Fino.lkLender brand | Operates Fino.lk | ConfirmedSource:Fino Agreement No. 31923406510 |
| S F Group (Pvt) LtdOperator | Operator of | Monigo.lkLender brand | Operates Monigo.lk | ConfirmedSource:monigo.lk T&C |
| A V Business Solution (Pvt) LtdOperator | Operator of | CashX.lkLender brand | Operates CashX (brand) | ConfirmedSource:Google Play - CashX Lite legal info |
| OnCredit (Pvt) LtdOperator | Operator of | OnCredit.lkLender brand | Operates OnCredit.lk | ConfirmedSource:oncredit.lk |
| Fintech Software Solutions (Pvt) LtdOperator | Operator of | LoanMe.lkLender brand | Operates the LoanMe platform | ConfirmedSource:loanme.lk T&C |
| Digital Lending (Pvt) LtdOperator | Operator of | LoanMe.lkLender brand | LoanMe lending partner | ConfirmedSource:loanme.lk T&C |
| AIS IT Consulting Services (Pvt) LtdOperator | Operator of | LoanPlus.lkLender brand | Operates LoanPlus.lk | ConfirmedSource:loanplus.lk privacy policy |
| SpaceCrew FinanceParent group | Parent of | OnCredit (Pvt) LtdOperator | Parent group (lists OnCredit Sri Lanka among its brands) | ConfirmedSource:spacecrew-finance.com |
| SF Capital SG PTE. LTDParent group | Parent of | S F Group (Pvt) LtdOperator | Immediate parent disclosed by Fino/Monigo footer | ReportedSource:fino.lk and monigo.lk footer/about pages, accessed 2026-06-22 |
| Sun Finance GroupParent group | Parent of | SF Capital SG PTE. LTDParent group | Group report lists SF Capital SG under Sun Finance | ReportedSource:Sun Finance Group Consolidated Annual Report for the year ended 31.12.2024, signed 2025-06-27, accessed 2026-06-22 |
| 47 Alexandra Place, Colombo 7Address | Shared address | S F Group (Pvt) LtdOperator | Registered address of S F Group | ConfirmedSource:Fino Agreement No. 31923406510 |
| 47 Alexandra Place, Colombo 7Address | Shared address | A V Business Solution (Pvt) LtdOperator | Registered address of A V Business Solution (CashX) - same address as S F Group; not proof of common ownership | ConfirmedSource:Google Play - CashX Lite legal info |
| 47 Alexandra Place, Colombo 7Address | Shared address | AIS IT Consulting Services (Pvt) LtdOperator | Registered/legal address of AIS IT Consulting Services (LoanPlus) - same address as S F Group and A V Business Solution; not proof of common ownership | ConfirmedSource:loanplus.lk privacy policy and LoanPlus Lite Google Play listing, accessed 2026-06-22 |
| LoanMe.lkLender brand | Reported referral | Fino.lkLender brand | LoanMe's apply links route through a Sun Finance affiliate tracker (sunfinance.go2cloud.org) that resolved to fino.lk on 2026-06-23 Asia/Colombo; the project owner separately reported referral to Monigo (same operator, S F Group). Point-in-time affiliate observation, not ownership. | ReportedSource:loanme.lk apply-link routing and sunfinance.go2cloud.org redirect resolving to fino.lk, observed 2026-06-23 Asia/Colombo; project owner account of LoanMe referral status recorded 2026-06-22; loanme.lk and Google Play accessed 2026-06-22 |
| OnCredit.lkLender brand | Industry member | DALA (Digital Alternative Lending Association)Industry body | Named among DALA members | ReportedSource:DALA / press reporting |
| CashX.lkLender brand | Industry member | DALA (Digital Alternative Lending Association)Industry body | Named among DALA members | ReportedSource:DALA / press reporting |
| LoanMe.lkLender brand | Industry member | DALA (Digital Alternative Lending Association)Industry body | References DALA membership | ReportedSource:loanme.lk; DALA |