Don't Apply for Financing Before You Know Your Chances
Understand your credit profile and approval likelihood before you apply.
Most business loan rejections aren't about the business, it's about your personal credit score.
In Indonesia, almost all business financing requires a personal guarantee from you or your spouse.
One in three mortgage applications in Indonesia gets rejected or delayed.
Most applicants only discover the real reason after they've already submitted, when it's too late to fix it.
Free · No impact on your credit score · Less than 60 seconds
What Lenders Actually Look At When You Apply
Lenders don't just look at your income. They assess your risk based on these key factors.
Payment history
Whether you consistently pay your installments on time without delays.
Debt-to-income ratio
The proportion of your income that goes toward paying monthly debts.
Active loan amount
The number of credit facilities you currently have active.
Credit history length
How long you have established and actively used credit facilities.
New application frequency
How often you have submitted applications for new loans recently.
Director & spouse credit score
For business loans, the track record of the personal guarantors strongly determines business eligibility.
How It Works
Check your eligibility via credit bureau partner
Know exactly where you stand in the eyes of lenders before submitting any application.
Understand the factors that determine your eligibility
Identify key areas of your profile that need improvement to boost your chances of approval.
Apply when your profile is ready
Submit your financing application with absolute confidence and secure approval easily.
Your Data Is Safe With Us
Bank-level encryption
Your data is secured with state-of-the-art encryption standard used by top banks.
No impact on your credit score
Checking your eligibility is a soft inquiry and won't lower your score.
Private and confidential
We never sell your personal information or share it without your consent.