By sustaining enough funds on your account, you would never miss any attractive lending opportunities.

A borrower who is applying for short-term financing needs funds quickly. This is what differentiates MSME Financing Platform platforms with conventional financial institutions.

It takes time for borrowers to apply for a loan, for us to perform credit assessment, for loan approval, and for disbursement of funds to the borrower. The process can take several days.

The time it takes for a borrower to accept a loan offer varies, but once the borrower accepts, our team will immediately publish a fact sheet and send it to our lenders. We try our best to provide a fact sheet for lenders 3 hours before crowdfunding starts at the latest.

To avoid last-minute fund transfers or missing out on lending opportunities because there aren’t enough funds on your account, we highly recommend that our lenders maintain a healthy amount of funds on their Modalku account. This would also maximize the interests you would receive from our Planned Funding feature.

Example: For lenders who allocate between Rp 100.000 – Rp 500.000,- per loan, we recommend retaining Rp 2 – 10 million on your Modalku account at all times to ensure you have enough funds at your disposal whenever you find an attractive funding opportunity that suits your preferences.

Apakah Anda menemukan jawaban?