Frequently Asked Questions

1. How do you borrow through Investree?

It is as easy as abc to apply for a loan through Investree. We will ask you to provide some personal details, including invoices and valid company's legal documents. Then, we will select and assess your loan application using our credit-scoring system. After the application is approved, your loan will be displayed in the Investree marketplace.

2. Why borrow through Investree?

Compared to conventional financial institutions, Investree offers a more flexible loan application process. Besides you have full control over loan fees – without paperwork – and involve a rapid decision making, Investree also sets competitive interest rate for all loans.

3. What if my Payor fails to settle its invoice?

Should you obtain financing through the Investree, yet your Payor has not settled its invoice, you are nevertheless contractually bound to repay the loan outstanding that includes loan principal and interest to your Lender.

4. How much interest rate charged for a loan?

Interest rates charged will depend on the specific loan profile and defined on case-by-case basis; they are set based on the credit assessment process conducted by Investree.

5. How are the principal loan value and tenor determined?

Investree will facilitate loans worth a maximum of 80% of the value of the invoice, or a maximum of IDR 2,000,000,000 for each invoice.

The term of the loan will be aligned with the invoice's due date with consideration by Investree.




6. When can I obtain and use the proceeds of my loan?

The process of assessment, selection and approval by Investree will take a maximum of 3 working days after all document requirements are completed, followed by the 14 day offer period on the marketplace. If before the 14 days 100% of the funds have been raised, the funds then  can be immediately disbursed and transferred into your account.

7. Is there any assurance that loan offer that featured in the marketplace will be fully financed??

Investree does not guarantee that all loans offered in the marketplace will be fully financed. If the pledged amount remains below 60% target during the offering period, the Borrower is allowed to either cancel or extend the loan offering period.

8. What fees do I have to pay when applying for loans through Investree?

The fees charged are interest charges, administrative fees, and guarantee binding fees. All fees will be communicated to the Borrower meaning there are no hidden charges.

9.  Do I have to provide collateral in order to obtain a loan?

Yes. Besides using your invoice as collateral, we will ask you to provide a backdated bank draft and a personal guarantee as additional collateral. To find out how we can help you, please send a message through Contact Us.



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Business Loans :
Solution for your working capital need's :

  • Loan facility up to IDR 2 billions
  • Interest rates start from 0.9% per month or 12% per annum
  • Fully funded within 2 (two) days
  • Online and transparent process