Your Financing Gateway

Product

Financing

Business

Consumer

Invoice Financing (AR)

Unlock cash from unpaid invoices; get funded against your accounts receivable before customers pay.

Multi-purpose Financing (KMG)

Secured loan against your asset for any need — education, medical, travel, or major purchases.

PO Financing (AP)

Fund purchase orders upfront so you can fulfill large orders without straining working capital.

Home loan financing to purchase a primary or secondary property with structured installments.

Fixed-tenor business loan with predictable installments for expansion, equipment, or working capital needs.

Mortgage Refinancing (KPR Takeover)

Transfer your mortgage for better terms, with option to top-up and cash out.

Inventory Financing

Finance stock purchases; inventory is moved to the partner's warehouse and held as collateral.

Renovation Financing

Fund home improvements or repairs without depleting savings or liquidating assets.

Payroll Financing

Bridge payroll gaps with short-term funding, ensuring your team gets paid on time.

Title Loan (BPKB)

Secured loan using your vehicle's ownership document as collateral, fast disbursement.

Overdraft Financing (PRK)

Flexible revolving credit line for daily operational needs, draw and repay as required.

New Motorbike Financing

Installment financing to purchase a brand-new motorbike with flexible down payment options.

Machinery & Equipment Financing

Finance new or used machinery and equipment for your business, with your assets used as collateral.

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Refinance Your Property

Unlock better rates and financial flexibility by refinancing your existing property loan.

Check Eligibility

Why Refinance?

Maximize your financial potential with these key benefits.

Lower Interest Rates

Switch to a loan with a lower interest rate to reduce your monthly payments.

Shorter Tenure

Pay off your loan faster by refinancing to a shorter term.

Cash-Out Options

Unlock the equity in your home for other financial needs or investments.

Debt Consolidation

Consolidate multiple debts into one single, manageable monthly payment.

Refinancing Process

A straightforward path to better loan terms.

01

Assessment

We evaluate your current loan and property value.

02

Comparison

We compare offers from multiple partners to find the best rate.

03

Application

Submit required documents for the new loan application.

04

Disbursement

Old loan is paid off, and your new terms begin.

What You Need

Ensure you have these ready for a smooth application.

Existing property with SHM/SHGB certificate
Good payment history on current loan (min. 12 months)
Proof of income and employment
Property tax (PBB) payment proof

Optimize Your Loan Today

See how much you can save or cash out with our refinancing solutions.