Spectrifin started in 2003 mainly as a company which focused on providing relief to employees who are in financial stress through short term loans. To unburden employees also had positive outcomes for their employers due to better performance and less drop in productivity as staff whom are well perform their daily tasks more efficiently, thus the benefits were soon realized. Micro-lending has become an effective tool for those unforeseen expenses. Spectrifin recently added several services to the list which includes debt collecting for companies who choose to outsource as well as budget training workshops for employees.