Loans

Working Capital Loan

Maintain Business Growth using without putting any collateral at risk

Managing a business comes with its challenges. So whenever it gets interrupted by irregular financial flows, Amartha now provides a reliable and convenient working capital loan solution with invoice financing.

Why Working Capital Loan form Amartha is the right solution?

High Credit Limit

The loan amount can be tailored to the business scale, ranging from 5 million IDR to 500 million IDR

Bullet Repayment Option

Enjoy initial interest relief during the loan installment period to boost business productivity.

Quick Underlying Process

Simply register the necessary documents such as invoices/PO, receive the loan disbursement at convenience period.

What is Invoice Financing?

The term invoice financing refers to the process of providing loans to micro businesses that own partnership with third parties. In truth, micro businesses often find challenge in production process due to third party payment scheduling, that only can be done once the work has been delivered. Therefore, Amartha presents a solution by accepting loan terms in the form of work invoices/POs issued by third parties.

What are the benefits of working capital loans?

Raw Materials Purchasing

You can leverage loans to procure raw materials, as some suppliers may require upfront payment. This enables you to expedite the production process by promptly acquiring the necessary resources.

Payroll Scheduling

As a business owner, it's crucial to prioritize the financial well-being of your employees. Don't let delayed payments impact their livelihood. Ensure timely payment of wages by utilizing a working capital loan from Amartha.

Daily Operational Expense Management (such as water and electricity)

Routine expenses are vital for maintaining business continuity, despite their seemingly insignificant. Delays in paying these expenses can significantly impact operations and disrupt the production process.

Seamless Financial Flow Solution for better Business Growth

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