Invoice Financing Syariah, Get Sharia-based Capital from Your Unpaid Invoices
Invoice Financing Syariah is a form of working capital for growing SMEs that do business with large companies, like state-owned enterprises, public listed companies, multinational corporations, and government institutions, in line with sharia principles and regulations. The invoices from SMEs serve as collateral for financing applications and getting funded by Lenders. The incoming invoice payments to be paid by Borrowers' clients, Payors, will be used as the repayment of the financing.
With Invoice Financing Syariah, enhance your business cash flow and make your assets work harder for you.
Financing Simulation Calculator
Calculate the projected financing amount you can get.
Risk Grades in Investree
12% p.a
13% p.a
13% - 14% p.a
14% - 15% p.a
15% - 16% p.a
16% - 17% p.a
17% - 18% p.a
18% - 19% p.a
19% - 20% p.a
20% - 21% p.a
Flow of Financing Application
Get a work order
Potential Borrower is in the process of finishing a job, has finished a job, or has sold products to the client/Payor.
Apply for Invoice Financing
Potential Borrower sends the invoice to the Payor then submit a copy of the invoice to be financed through Investree.
Document checking
We analyze, select, and approve loan applications using our proprietary credit scoring model.
Loan offering
Loan is offered to the Lenders along with a fact sheet displaying the result of Investree's analysis.
Loan funding
The loan is funded by Lenders. Upon completion, the funds will be disbursed to the Borrower.
Loan Repayment
When the invoice is due, the Payor makes payment for the invoice and the Borrower uses the funds to repay the loan. Lenders will receive the loan repayment which includes principal and yield (ijarah).
Terms and Conditions
Address
AIA Central 21st Floor, Jalan Jend. Sudirman Kav. 48A, RT05/RW04, Karet Semanggi, Jakarta Selatan, Indonesia 12930
Address
AIA Central 21st Floor, Jalan Jend. Sudirman Kav. 48A, RT05/RW04, Karet Semanggi, Jakarta Selatan, Indonesia 12930
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- Information Technology-Based Lending Services is a private agreement between the Lender and the Borrower, therefore any risks arising from such agreement shall be fully borne by the respective parties.
- Any credit risks or default in payment shall be fully borne by the Lender. No institution or state authorities are liable for such risks of default.
- The administrator under the approval of each User (the Lender and/or the Borrower) will access, obtain, store, manage and/or use the User’s personal data (“Data Processing”) on or within the object, electronic devices (including smartphone or cellphone), hardware and software, electronic documents, apps or electronic system of the User or controlled by the User, by notifying the objective, limit and mechanism of such Data Processing to the relevant User before acquiring the consent as mentioned.
- The Lender with no knowledge and experiences in lending activities is not recommended to use this service.
- The Borrower must consider the interest rate for the loan and other fees and whether it is within its capacity to repay.
- Any fraud shall be digitally recorded in the cyberspace and can be known on social media.
- The user must read and understand these information before making a decision to become a Lender or Borrower.
- The government, which in this case is the Financial Services Authority, shall not be liable for any breach or non-compliance by the User, as Lender or Borrower (whether it is due to willful misconduct or the negligence of the User) to the prevailing regulations or agreement or engagement between the Administrator and the Lender and/or Borrower.
- Any lending transactions and activities or performance of the lending agreement between or involving the Administrator, the Lender and/or Borrower shall be conducted through escrow accounts and virtual accounts as required by the Financial Services Authority Regulation Number 77/POJK.01/2016 pertaining to Information Technology-Based Lending Services and any violation or non-compliance to such regulation shall be an evidence of the violation of the law by the Administrator, thus the Administrator is required to bear damages suffered by the respective User as direct consequences of the abovementioned violation of the law, without prejudice to the rights of the User who suffered such damages as provided in the Indonesian Civil Code.
- PT Investree Radhika Jaya (Company) is a legal entity incorporated in accordance with the Laws of the Republic of Indonesia. Established as a company regulated and supervised by the Financial Services Authority (OJK) in Indonesia, the Company provides interfacing services in a liaising capacity between those parties providing loans and those in need of loans, encompassing funding by individuals, organizations, or legal entities to certain individuals or legal entities. The Company does not provide any advice or funding recommendations regarding the options in this site.
- The content and materials available on the investree.id website are intended to provide information and shall not be considered as constituting an offer, solicitation, invitation, suggestion or recommendation to invest in securities, capital market products or other financial services. In rendering these services, the company is limited to administrative functions.
- Funding and loans placed in an Investree account are not and shall not be construed as deposits held by the Company as stipulated under Indonesian Banking Regulations. Neither the Company nor any of its Directors, Officers, Employees, Representatives, Affiliates or Agents shall bear liability with respect to any disruption or problem that occurs or is deemed to occur due to the lack of preparation or publication of the material listed on the Company's website.
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