SME (Small Medium Enterprise) Lending System

Front office

Our front office dashboard is designed to interact directly with customers to provide product or service information, register as borrowers or lenders, apply for loans, select funding and monitor loan portfolios. Investree provides website, web registration for borrowers & lenders, dashboards for borrowers & lenders, and mobile applications for lenders.

Front office features:

• Lender Dashboard:

  • Summary of fund

  • Portfolio of loan invested and report

  • Marketplace (loan list)

• Borrower Dashboard

  • Applying loan

  • Loan summary and information

  • Monitoring for each status of loan applied

Back office

Application used to process loan applications from borrowers and funding from lenders, in which there is a loan origination system that is used to support loan application processing which consists of an integrated verification process with external parties or data aggregators, credit assessment, scoring, loan approval, credit agreement, digital signature, disbursement and repayment.

Back office features:

• Registration Process

  • Basic Registration

  • Preference Page

  • Completing Registration Data

• Products

  • Project Financing

  • Invoice Financing

  • Pre-Invoice Financing

  • AP Financing

  • Buyer Financing

  • Real Time Cash Settlement (new)

  • Working Capital Loan

  • Merchant Cash Advance (MCA)

  • Regular Term Loan (RTL)

  • Contract Based Financing (CBF)

• Know Your Customer (KYC) Process

  • Provided the menu which connected to the third party (credit bureau and fintech data center)

• Loan Assessment & Approval

  • Pre-Assessment

  • Preliminary loan process (incl. loan application docs, survey info, payor, deviation, and payment security)

  • Assessment: Financial info, bank statement, and scoring

• Approval

  • Approval from credit committee

  • Term sheet approval

  • Factsheet creation

• Loan Listing & Disbursement

  • Listing to public (retail) or private (incl. institutional)

  • Document Agreements docs

  • Disbursement process and information

• Loan Repayment

  • Repayment process with the detail information provided