Working Capital Term Loan, Productive Loans to Cater to SMEs' Unique Business Models

Working Capital Term Loan (WCTL) is a working capital loan for SMEs with businesses that: accept payments via bank transfers/digital payments; partner with logistic service providers; use P-O-S ("Point of Sales") applications or systems; or have ongoing business contracts with reknown large companies. Investree's credit scoring system will assess the Borrowers' sales from data partner(s) like online payment platforms and/or logistic service providers to determine loan eligibility.

As the loan is repaid in installments, a previously large operational or inventory expense will feel less burdensome.

Loan Simulation Calculator

Calculate the projected amount you can borrow.

Loan Amount IDR 50,000,000 - IDR 2,000,000,000

Installment Amount per Month*:

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

Register as a Borrower

Potential borrowers register and gets verified on Investree's marketplace then submits required data and documents.

How to

Document Checking

Provide required information such as payment methods, business type (online/offline), third party partnership documents, etc.

How to

Loan Verification

Investree analyzes the loan application according to borrowers' business attributes.

How to

Loan Offering

Loan is offered to lenders with a fact sheet which includes Investree's loan analysis.

How to

Loan funding

Loan is funded by lenders. The funds are then disbursed to the borrower.

How to

Repayment

Borrower repays the loan in monthly installments to Investree. Lenders receive repayments which includes part of the principal and interest every month until loan maturity.

Terms and Conditions

The loan is a working capital loan.
Limited Liability Company (PT) or Limited Partnership/Commanditaire Vennootschap (CV)
Resides in Jabodetabek area, Bandung, Surabaya, and Central Java.
Loan amount starts from IDR 50 million to IDR 2 billion.
Tenor is 3 to 24 months.
Business has operated for at least 1 (one) year.
The loan's monthly repayment installments varies according to the loan tenor.
Minimum omzet per year or total assets at least IDR 2.5 billion.
  • Submits one of the required documents below (depends on the business model):

  • Data online payment gateway
  • Kontrak / SPK yang sedang berjalan
  • Laporan penjualan yang tercatat