Buyer Financing, Supply Chain Financing Solutions to Power Your Business's Growth

Buyer Financing is a working capital product for wholesale buyers from reknown distributors. Lack of capital often become a problem for SMEs, but now they can finance their supplies by submitting their purchase orders to these well-known sellers or distributors. Funds from Lenders in Investree will be channeled directly to the these companies to pay for Borrower's purchase order.

Manage your business' cash flow and keep your business growing with Buyer Financing.

Loan Simulation Calculator

Calculate the projected amount you can borrow.

Loan amount IDR 50,000,000 - IDR 2,000,000,000

Repayment Amount*:

Rp 0

*) This simulation is only a projection. Loan amount and repayment amount refer to Loan Agreement.

Risk Grades in Investree

A+
Grade
Very Low

For Lender
Yields*

12% p.a

For Borrower
Interest per annum*

13% p.a

A
Grade
Low

For Lender
Yields*

13% - 14% p.a

For Borrower
Interest per annum*

14% - 15% p.a

B
Grade
Medium

For Lender
Yields*

15% - 16% p.a

For Borrower
Interest per annum*

16% - 17% p.a

C
Grade
High

For Lender
Yields*

17% - 18% p.a

For Borrower
Interest per annum*

18% - 19% p.a

C-
Grade
Very High

For Lender
Yields*

19% - 20% p.a

For Borrower
Interest per annum*

20% - 21% p.a

Loan Application Process

How to

Make an Order

Potential Borrowers gets a reference letter from the affiliated seller or distributor company to qualify for a loan to pay the purchase order.

How to

Submit Required Documents

Potential Borrowers can register and apply for loans by uploading the required documents such as legal documents and the purchase order on the Borrower's dashboard.

How to

Document Checking

Affiliated seller or distributor verifies and validates the Borrower's loan application.

How to

Loan Offering

After credit analysis and approval, the loan will be offered to Lenders through Investree's marketplace.

How to

Loan Funding

When the loan has been funded, Investree will channel the funds to the affiliated seller or distributor to pay the Borrower's purchase order.

How to

Loan Repayment

When the loan is due, the Borrower repays the loan to Investree. Lenders will receive the repayment which includes principal and interest.

Terms and Conditions

Buyer from reknown affiliated seller or distributor with good payment record for at least 1 year.
Limited Liability Company (PT) or Limited Partnership/Commanditaire Vennootschap (CV).
Resides in Jabodetabek area, Bandung, Surabaya, and Central Java.
Loan amounts from IDR 50 million to IDR 2 billion.
Tenor up to 6 months.
Business has operated for at least 1 (one) year.
Repay principal and interest when it's due.
Minimum omzet per year or total assets at least IDR 2.5 billion.
Submits purchase order for affiliated retail company.
This product will apply working capital loan scheme.