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Whether you are a relatively new or a vintaged small business in Indonesia, the issue of timely and easy availability of funds remain an issue. Access to funds for scaling up business operations, investment in technology, and infrastructure remains a plaguing issue for most SMEs and acts as a deterrent for these businesses to realize their full potential. Access to commercial finance is seldom an option for small businesses with lengthy and document intensive procedures and requirements for fixed asset collateral.
The landscape in Indonesia is changing and how! Short term loans offered by alternative lending institutions such as Investree is your answer to accessing uncollateralised short term loans for your business. Investree is the leading peer-to-peer lending institution for providing online finance to SMEs and individuals. No company can survive without adequate cash flows and by availing the services of trustworthy financial ally Investree, many businesses have benefited in scaling their business revenues.
Convenient online application
Investree is a financial technology company and hence believes in minimal paperwork. You can apply on Investree’s website in your office, at a restaurant or in the comfort of your home as long as you are connected to the internet. The simple online application form takes only 15 minutes to fill and is easy to understand. No need to come physically for a loan application.
Quick approval
Digital fintech lender Investree has built the marketplace platform to ensure quick approval within 3-5 days as opposed to weeks or even months that financial institutions or banks take with their lengthy paperwork and back and forth process. We know that timing is everything and providing the loan approval and fund disbursal at the right time means more money saved and higher revenue growth.
Customer friendly process
Many SME’s have had the experience of having their loan being turned down by banks and traditional financial institutions due to lack of fixed asset collateral. Most instances also show that the eligibility criteria for a loan is very rigid and does not suit a growing SME’s loan requirement which can be very disheartening. Customer friendly Investree understands your needs and as a digitally enabled lender we look to providing you with customized lending solutions even for SME’s as young as 1 year old!
Assortment of loan products
Be it traditional invoice financing or supply chain financing or new age e-commerce seller financing, Investree looks to cater to different business needs of a large range of Indonesian SME’s. We understand that each business has different requirements at various points of time and we look to constantly develop and evolve innovative products to suit all different types of working capital loans. Our loan tenors are very flexible, ranging from as small as 30 days to 12 months customized to suit your business needs while keeping in mind the need for affordable finance.
Affordable and collateral free
Compared to traditional informal sources of funds (moneylenders) and banks/financial institutions who demand a fixed asset collateral, online peer-to-peer lender Investree is a much more affordable lending option with all charges and interest rates mentioned upfront. We are transparent in our interest rates and charges and do not have any hidden fees involved. We assess SME’s business performance and other factors to provide working capital loans and do not require any fixed asset collateral.
SME’s are the growth engine for the Indonesian economy and deserve a business climate where they can thrive and grow. The availability of working capital finance though new age digital fintech lenders such as Investree will help the SME segment march forward and contribute significantly to the growth of the Indonesian economy.
