Interest Rates and Fees

Transparent. With no extra charges.

No charges will apply on registration and loan application. Fees are charged only when loan is fully funded by the Lenders. For the prospective borrowers, learn beforehand about any fees that will be charged upon loan disbursement.  

Meanwhile for prospective lender, you will not be charged with any fee and will receive the payment of principal and interest in full.


Interest Charges

Interest rate charged measures level of risk inaugurated during credit scoring performed by Investree Analyst Team. After the prospective Borrower submits loan application, Investree will conduct credit assessment on all information submitted by prospective Borrower. The result of analysis will provide loan grade to determine interest rate and fee charged to Borrower. 

 

What are the stages of the process?


1. Loan application

To submit loan application, the prospective Borrower must complete form containing required data as a perquisite for borrowing.

2. Information Assessment

We select, assess the information provided, and assign credit grade on the loan proposed by prospective Borrower.

3. Loan Approval

After assessment, we will offer the Term Sheet regarding the detail term and condition on the loan that subject to approval from prospective Borrower.

4. Loan Offering

The Loan is offered on the marketplace, funded by lenders and the money disbursed to the borrower.

Risk Grade with Investree

Invoice Financing

Online Seller Financing

OSF Per Month Risk
A1 0.90 % Low Risk
A2 0.95 % Low Risk
A3 1.00 % Low to Medium Risk
B1 1.10 % Low to Medium Risk
B2 1.20 % Medium Risk
B3 1.45 % Medium to High Risk
C1 1.70 % Medium to High Risk
C2 1.95 % High Risk
C3 2.20 % High Risk

*Risk grade is a risk analysis towards loans by combining Borrower’s and Payor’s risk profiles.


Platform Fees

Investree charges a Platform Fee of 3% - 5% depending on the loan grade granted to each loan application. The price will be charged automatically once the loan is withdrawn by the Borrower.


Late Payment Fee

If the Borrower experiences any delay in paying off their loan, meaning not in accordance with the prescribed schedule, Investree will charge a daily fee for each day of delay.


Insurance Fee

For OSF loans, Investree requires Borrowers to participate in the credit life insurance scheme, which serves to take over Borrowers' liabilities to Lenders in unforeseen circumstances.


Early Repayment Penalty

Investree does not impose a penalty on early repayment for the Business Loans product, but the Borrower is under obligation to pay the nominal interest agreed at the beginning as a form of commitment to the Lender. Accelerated payment penalties will only be charged to Borrowers for OSF products at two months' interest.

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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