01 / Clarity
Tell the truth, even when it's awkward.
We won't promise a loan we can't approve, a tax saving that doesn't exist, or a transfer speed we can't deliver. Honesty is cheaper than churn.
About us
We're a Latvian fintech in Mārupe serving the people who keep Riga running.
No call centres. No bots. No fine print. Real humans, on WhatsApp, Mon–Fri.
Why we exist
Nobody else was building it for people like us.
RozoFinance started because international students and immigrants in Latvia had nowhere to go when they needed a quick loan, a fair exchange, or someone to explain Latvian taxes in English.
The banks wouldn't open accounts. Accountants charged €100 a month. And VID and PMLP have rules that can cost you a residence permit over a €150 tax mistake.
So we built RozoFinance as the financial home immigrants in Latvia actually need. Loans when money's tight. Exchange when you send money home. And now — done-for-you accounting for the gig workers who deliver this country's lunch.
We're small. We're in Mārupe. We answer on WhatsApp. We tell you the truth, even when it isn't what you want to hear.
What we believe
Three rules we don't break.
02 / Accountability
If we miss, we pay.
If we miss a VID filing deadline that was our responsibility, we refund the month and pay any late penalty ourselves. That's the deal.
03 / WhatsApp
A real human reads your messages.
No call centres, no chatbots, no offshored support. Sara replies. Mon–Fri 10:00–18:00 EET. Average under one hour.
Our team
The people you'll actually talk to.
Sara Khan
Tax practitioner · VID-licensed
“I help drivers and couriers stay legal. It’s my favourite part of the job.”
Arpit Verma
Customer success lead
“I came to Latvia as a student. I know what it feels like.”
Liga Bērziņa
Operations · Mārupe office
“I run the office. I know everyone’s loan history.”
Aleksandrs Ivanovs
Senior tax specialist
“20 years in Latvian tax. I keep things calm when VID gets loud.”
Raj Patel
Founder
“I built RozoFinance because nobody else was building it for people like us.”
Our office
Mārupe, Latvia.
Address
Mārupe, Latvia
(full address #TBD)
(full address #TBD)
Hours
Mon–Fri 10:00–18:00 EET
Phone
+372 5601 9715
Email
info@rozofinance.com
Licenses & registrations
Verifiable. On the public register.
- Legal entity
- RozoFinance SIA
- Commercial Register #
- #TBD
- VAT number
- LV#TBD
- VID tax-practitioner license
- #TBD
- Year founded
- 2024
Verify any of this on the VID public register or the Latvian Commercial Register. Press & media kit available at /press.
Want to talk? Message Sara on WhatsApp.
Mon–Fri 10:00–18:00 EET. Most messages answered within the hour.