Business capital that grows with you

Connecting you with fast and flexible financing solutions

Working capital on your terms

Xendit works with our lending partners to provide fast and flexible financing for all your business needs.

How does Xendit do Lending?

Xendit partners with lending entities to provide business capital for our payment customers.
Funds are disbursed and repaid through Xendit’s payment channels.

Our Partners:

All of Xendit’s lending partners are licensed and supervised by OJK

Our solutions

Working Capital financing

Working capital cash loans for both short and long-term needs

Monthly installment repayment
Loan tenor up to 24 months
Monthly / daily interest

Invoice Financing

Bridge liquidity needs from your receivables and improve your cash flow

Financing up to 80% of invoice amount
Daily interest
Loan tenor up to 9 months

Instant Loan

No collateral, minimal documentation
Fixed, transparent interest
Drawdown tenor of up to 12 months
Credit limits start between IDR 5-100 million and increase with time
Easy repayment via Xendit dashboard auto-deduction

Platform Financing

Empower merchants on your platform with capital to boost their growth and boost your revenue too

Increase business retention
Monthly / daily interest
Get referral fee

How it works

New to Xendit? Start by creating your Xendit account

Your Xendit Dashboard will be used for disbursement and repayment of funds

Send and accept payments with Xendit

Start transacting with Xendit to fulfill your requirements to obtain a loan.

Choose Financing Solution

Send required documents

Send us the required documents

Fund is transferred to your Xendit dashboard

When all admin processes have been completed, you will receive your the funds in 2 working days through your Xendit Dashboard

Repayment

Easy repayment method via transferring to your Xendit dashboard

Popular Usecases

Fund inventory

Customers may be inconvenienced or annoyed when you don't have stock. Use the funds to restock, purchase new products to sell in your business or buy additional inventory so you can be ahead of your growth curve.

Invoice financing

Bridge liquidity needs from invoice receivables for a smoother cash flow. We work with partners to help you borrow up to 80% of an invoice.

Grow your business

Invest capital to get your products and services out to the market, or capitalize on an opportunity for business expansion and growth with access to quick funding.