Fincera Inc. is a holding company, and its business operations are conducted through its wholly owned subsidiary, AutoChina Group Inc (ACG). The Company focuses on providing online lending and e-commerce services for small and medium-sized businesses (SMBs) and individuals in China. The Company's segments consist of Internet-Based Financial and e-Commerce Services and Property Lease and Management. The Internet-based products are CeraPay and CeraVest. CeraVest is a peer-to-peer lending platform, through which the Company offers SMBs. Through CeraVest, the Company offers three types of financing services with different terms and payment schedules for borrowers and offers three corresponding investment products for investors, 30-day lines of credit transactions, 180-day term loans and installment loans. CeraPay is the Company's credit product that processes and settles transactions between borrowers and merchants. The Property lease and management business that leases out office space.
FINCERA INC. 
