Akseleran is a peer-to-peer lending platform that connects individual lenders with small and medium enterprises (SMEs) seeking funding, allowing investments starting from Rp100,000. The platform enhances transaction security by utilizing credit insurance that protects up to 99% of the principal amount from defaults, while also providing a streamlined online application process for borrowers.
Funding
$81.1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Small and medium-sized enterprises (SMEs) in Indonesia often face challenges in accessing funding from traditional financial institutions due to collateral requirements and lengthy approval processes. This lack of access to capital hinders their ability to grow and scale their businesses.
Solution
Akseleran is a peer-to-peer (P2P) lending platform that connects SMEs seeking business loans with individual and institutional lenders looking for investment opportunities. The platform provides SMEs with access to competitive interest rates and flexible loan terms, while offering lenders the potential for high returns. Akseleran mitigates risk through credit scoring, collateralization of loans (over 98% of loan portfolio value), and credit insurance protecting up to 99% of the principal. The online application process streamlines loan acquisition for borrowers, and lenders can easily diversify their portfolios through the platform's accessible interface and auto-lending features.
Target Audience
Akseleran serves Indonesian SMEs seeking accessible and flexible financing solutions, as well as individual and institutional lenders looking for alternative investment opportunities with attractive returns.
Features
- Online P2P lending platform connecting SMEs and lenders
- Loan amounts ranging from Rp100,000 to Rp150,000,000
- Average lender returns of 9.5% to 10.5% per year
- Credit insurance protecting up to 99% of the loan principal in arrears
- Collateralized loans, with over 98% of the loan portfolio value secured
- Automated lending feature for hands-off investment
- Loan options including business loans, invoice financing, employee loans, and portfolio financing
- Risk mitigation through credit scoring and borrower character assessment