Pinjam Modal is an online platform that offers short‑term working‑capital loans for small retailers, combined with a digital inventory management dashboard. The service automates loan eligibility, disbursement, and repayment tracking while providing real‑time stock monitoring and reorder alerts, helping merchants scale operations without traditional financing delays.
Funding
Funding not disclosed
Founders
Product
Problem
Small retailers often struggle to obtain quick working‑capital financing and lack tools to efficiently manage inventory, leading to missed sales opportunities and slow business growth.
Solution
Pinjam Modal provides an online platform that offers short‑term working‑capital loans tailored for small businesses. The service integrates a digital inventory management system that allows merchants to track stock levels, monitor sales performance, and make data‑driven decisions. By automating loan application and disbursement, the platform reduces the time and paperwork associated with traditional bank financing, enabling retailers to scale operations more rapidly. The combined financing and inventory tools create a unified workflow that supports business expansion without the typical delays of conventional credit processes.
Target Audience
Primary customers are small‑to‑medium retail businesses and e‑commerce merchants in need of short‑term working capital and inventory management support.
Features
- Online loan application with instant eligibility assessment and rapid fund disbursement
- Integrated inventory dashboard for real‑time stock tracking and sales analytics
- Automated alerts for low stock and reorder recommendations
- Dashboard view of loan repayment schedule and remaining credit limit
- Mobile‑responsive interface allowing merchants to manage financing and inventory on any device