Fincera Inc. (fka.AutoChina International) is a leading provider of innovative web-based financing and ecommerce services for small and medium-sized businesses and individuals in China. Our portfolio of services includes small business lending, B2B payment solutions, and ecommerce platforms. We currently operate four online platforms: CeraPay ® (垫付宝), a B2B payment platform, CeraVest ® (轻易贷), a small business lending platform, TruShip TM (1号车网), an ecommerce and shipping marketplace platform, and AutoChekk TM (车快快), an ecommerce platform focused on passenger cars.

In 1994, Fincera's management team was the first to introduce commercial vehicle financing to China’s transportation industry. Over the next 20 years, Fincera refined and evolved its business model to focus on affordable web-based financial and ecommerce services for SMBs and individuals.


  • CeraPay ® is an online closed-loop B2B payment platform and short-term financing solution for small businesses in China, essentially providing virtual business credit cards that can both send and receive payments.

  • CeraVest ® is an online peer-to-peer lending platform that provides short-term loans for small businesses operating in China.

  • TruShip TM is an ecommerce and shipping marketplace platform for the trucking industry that helps businesses connect and trade efficiently.

  • AutoChekk TM is an ecommerce platform focused on passenger cars and designed to streamline the consumer’s purchase and maintenance experience.