Emerald Finance Limited, a non-banking financial company, provides financial services in India. It operates through SME Lending, Retail Lending, Loan Distribution, and Digital Lending/Early Wage Access (EWA) Products segments. The company offers SME and retail lending, loan distribution, digital lending products, salary advance/earned wage access products, and related financial services. It also provides business and personal loans; and EWA, an on-demand salary access program that enables employers to offer employees control over their finances with instant access to a portion of their earned salary before pay-day. The company serves individuals, SMEs, businesses, and employees. The company was formerly known as Emerald Leasing Finance and Investment Company Limited and changed its name to Emerald Finance Limited in April 2023. Emerald Finance Limited was incorporated in 1983 and is based in Chandigarh, India.