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.
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
Register as a Borrower
Potential borrowers register and gets verified on Investree's marketplace then submits required data and documents.
Provide required information such as payment methods, business type (online/offline), third party partnership documents, etc.
Investree analyzes the loan application according to borrowers' business attributes.
Loan is offered to lenders with a fact sheet which includes Investree's loan analysis.
Loan is funded by lenders. The funds are then disbursed to the borrower.
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.