Akseleran
Akseleran is an OJK-regulated Indonesian peer-to-peer lending platform that operates as a digital marketplace connecting individual and corporate lenders with UMKM (micro, small, and medium enterprise) borrowers, offering nine loan products with credit insurance covering up to 75% of delinquent principal.
- Company typePrivate
- Founded2016
- HeadquartersJakarta, Indonesia
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Akseleran does
Akseleran (legal entity: PT Akseleran Keuangan Inklusif Indonesia) is an OJK-regulated Indonesian peer-to-peer lending platform that operates a digital marketplace connecting individual and corporate lenders (Pemberi Dana) with borrowers, primarily micro, small, and medium enterprises (UMKM). Founded in 2016 and headquartered in Jakarta with 101-250 employees, the platform runs as a self-service web and mobile application (iOS and Android) under POJK No. 10/POJK.05/2022 supervision and AFPI industry-association membership. Since inception it has cumulatively disbursed Rp12.558 trillion (~$800M USD) across the platform, with Rp190.99 billion currently outstanding and a reported TKB 90 loan performance rate of 0.03%.
The platform offers a broad product suite spanning nine loan categories: Invoice Financing, Receivable Financing, Inventory Financing, CapEx Financing, Supply Chain Financing, Distributor/Buyer Financing, Online Merchant Financing, Employee Loans (collateral-free), and PayLater Business, alongside Merchant Cash Advance for online sellers. Loan underwriting uses a proprietary risk model combining quantitative factors (income, cash flow, equity ratios, asset-liability comparisons) with qualitative factors (business experience, education, track record), and more than 98% of the portfolio by value is backed by collateral including invoices, equipment, vehicles, land and buildings, jewelry, and securities. Borrower onboarding and loan application processing are conducted digitally, with crowdfunding campaigns that must reach at least 80% of the target before disbursement. Credit insurance covers up to 75% of outstanding principal for loans delinquent beyond 90 days, with premiums bundled into adjusted interest rates rather than charged separately. Lender-facing tooling includes a Financial Calculator and an Auto Lending feature for automated, criteria-based fund deployment, with a minimum investment of Rp100,000 per campaign.
Akseleran earns revenue primarily through the spread between borrower interest rates and lender returns. Lender returns average 9.5% to 10.5% per annum (effective rates on campaigns range 9.5%-12%), while borrower rates are determined by credit assessment and risk profile; no separate fees are charged to lenders for tenors of 1-24 months. Distribution is digital-first, relying on the website, mobile applications, and broad social media presence (Facebook, Instagram, LinkedIn, X, YouTube, Telegram) for both lender acquisition and borrower demand generation. The company is led by co-founders including Ivan Nikolas Tambunan (President Commissioner & Co-Founder), Christopher Gultom (President Director & Co-Founder), and Mikhail Ramses Asitua Tambunan (Director & Co-Founder), with Ketty Novia serving as Director; shareholders include PT Akselerasi Usaha Indonesia. The platform is marketed as self-serve to individuals and SMBs across Indonesian MSME segments, supplemented by direct sales support for larger borrowers.
Akseleran firmographics
Firmographics- Name
- Akseleran
- Legal name
- PT Akseleran Keuangan Inklusif Indonesia
- Website
- https://akseleran.co.id
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Akseleran is an OJK-regulated Indonesian peer-to-peer lending platform that operates as a digital marketplace connecting individual and corporate lenders with UMKM (micro, small, and medium enterprise) borrowers, offering nine loan products with credit insurance covering up to 75% of delinquent principal.
- Ownership category
- akta.pro rank
Akseleran industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industries
- P2P Loan Syndication & Participation Platforms (FSAKAHAL), P2P Secured / Collateralized Lending (General) (FSAKAHAJ)
Keywords
Where Akseleran is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
Akseleran business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Transaction/Spread Revenue: Akseleran facilitates P2P lending between lenders and borrowers. The platform earns revenue by capturing a spread between the interest rate charged to borrowers and the returns paid to lenders. For lenders, no fees are charged for loans with tenors of 1-24 months. Borrower fees and platform commissions are embedded in the loan pricing.
- Interest Rate Spread: The effective interest rate for lenders averages 9.5% to 10.5% per annum, while borrowers pay higher rates determined by their credit assessment. The difference represents platform revenue, supplemented by credit insurance premium compensation embedded in the interest rate adjustment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Lender Interest Rate: 9.5% to 10.5% effective annual return |
| Unit Pricing | Pay-as-you-go | Minimum Lending: Rp100,000 per loan campaign |
| Usage-based | Pay-as-you-go | Effective Interest Rates: 9.50% to 12.00% per annum by campaign |
| Usage-based | Pay-as-you-go | Loan Tenor: 1 to 24 months |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels10 records
Akseleran product offering
Product offeringCore offering
Akseleran is an OJK-licensed peer-to-peer (P2P) lending marketplace operating under POJK No. 10/POJK.05/2022 that connects individual and corporate lenders (Pemberi Dana) with Indonesian micro, small, and medium enterprise (UMKM) borrowers (Penerima Dana). The platform facilitates crowdfunded loan campaigns with average lender returns of 9.5%–10.5% per annum, tenors of 1–24 months, and minimum investments of Rp100,000. Borrowers can access a comprehensive loan suite including Invoice Financing, Receivable Financing, Inventory Financing, CapEx Financing, Supply Chain Financing, Distributor/Buyer Financing, Online Merchant Financing, Employee Loans, PayLater Bisnis, and Merchant Cash Advance Financing.
Product overview
Akseleran is a technology-based Peer-to-Peer (P2P) Lending platform (Layanan Pendanaan Bersama Berbasis Teknologi Informasi/LPBBTI) that operates as a marketplace connecting lenders (Pemberi Dana) with borrowers, primarily Micro, Small, and Medium Enterprises (UMKM). The platform offers a comprehensive suite of lending products including employee loans, online merchant financing, business loans (covering Invoice Financing, Receivable Financing, Inventory Financing, and CapEx Financing), Supply Chain Financing, Distributor/Buyer Financing, PayLater Bisnis, and Merchant Cash Advance Financing. For lenders, the platform provides funding opportunities starting from Rp100,000 with average returns of 9.5%-10.5% per year, featuring an Auto Lending tool for automated investment and credit insurance protection covering up to 75% of outstanding principal. The ecosystem also includes a Financial Calculator for investment planning and is regulated and supervised by Indonesia's Financial Services Authority (OJK).
Differentiator
Problem solved
Functional benefit
Products and services
- Akseleran P2P Lending Platform (LPBBTI) End-to-end peer-to-peer lending marketplace that matches Indonesian individual and corporate lenders with micro, small, and medium enterprise borrowers through crowdfunded loan campaigns, with an 80% minimum funding threshold before disbursement.
- Pinjaman Karyawan (Employee Loan) Collateral-free personal/multi-purpose loan product targeting salary-earning employees, offering competitive interest rates and flexible tenors with streamlined digital processing.
- Online Merchant Financing Working capital financing for online sellers and e-commerce merchants operating on digital platforms, addressing seasonal cash flow gaps with quick disbursement.
- Pinjaman Bisnis (Business Loan) Flagship MSME loan product bundling Invoice Financing, Receivable (PO/SPK/Kontrak) Financing, Inventory Financing, and CapEx Financing, with flexible collateral options and competitive rates.
- Supply Chain Financing Loan product extending financing to suppliers, vendors, and contractors from Akseleran's partner companies, enabling working capital flows through their supply chain networks.
- Distributor/Buyer Financing Loan product for distributors, retailers, and buyers operating with Akseleran's principal partners, supporting inventory purchases and trade-financing needs.
- PayLater Bisnis (Business PayLater) Business PayLater loans extended to buyers from Akseleran's digital platform partners, enabling deferred-payment purchasing through B2B credit lines.
- Merchant Cash Advance Financing Working capital financing for online merchants repaid through daily installments calibrated to merchant earnings, aligning repayment with sales-driven cash flow.
Quantifiable outcome
- Average lender returns of 9.5% to 10.5% per annum
- +4 more outcomes
Companies that use Akseleran
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Akseleran technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Akseleran partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Asosiasi Fintech Pendanaan Indonesia (AFPI)coreAkseleran is a registered member of AFPI, Indonesia's P2P lending industry association. The association provides a QR code verification system on member profiles and serves as a self-regulatory body for the fintech lending sector.
- Partner Companies and Digital PlatformscoreAkseleran collaborates with corporate partners and digital platforms for Supply Chain Financing (suppliers, vendors, contractors), Distributor/Buyer Financing (distributors, retailers, buyers from principals), and PayLater Business (buyers from digital platform partners). These partnerships enable specialized financing products for network participants.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Akseleran competitors and assessment
Company assessmentDirect peers
- KoinWorks: Major Indonesian P2P lending platform also OJK-licensed, serving MSMEs with similar invoice financing, supply chain financing, and personal loan products. Closest direct competitor in scale and target segment.
- Amartha: Indonesia's largest P2P lending platform focused on micro and small enterprises, especially women borrowers in rural areas. Competes head-to-head for MSME funding and lender capital in the same OJK-regulated framework.
- Modalku (Funding Societies): Indonesian arm of Funding Societies, an OJK-licensed P2P platform serving SME borrowers with invoice financing and working capital loans. Direct marketplace competitor with similar lender return profile.
- Investree: Indonesian OJK-licensed P2P lending platform offering invoice financing, working capital, and SME loans. Operates in the same regulatory and competitive environment as Akseleran, with overlapping product offerings.
- Mekar.id: OJK-licensed Indonesian P2P platform with social mission focus, connecting individual lenders with micro and SME borrowers. Comparable crowdfunding loan mechanics and MSME focus.
- Pinjam Modal: Indonesia-based P2P lending platform offering business loans to SMEs, operating under OJK supervision with similar invoice and working capital financing products.
- Danamas (Sinar Mas): OJK-licensed P2P lending platform backed by Sinar Mas group, focused on supply chain and SME financing. Direct competitor in the Indonesian MSME lending space.
Broad incumbents
- Funding Societies (SE Asia parent): Regional Southeast Asian P2P/SME digital financing operator with presence in Indonesia, Singapore, Malaysia, and Thailand. Broader geographic and product scope, but comparable underlying MSME P2P model.
- LendingClub: US-listed P2P lending marketplace. While geographically distant, the platform model — connecting retail lenders with borrowers at a spread with credit risk controls — is structurally analogous to Akseleran.
Others
- AFPI (Industry Association): Asosiasi Fintech Pendanaan Indonesia is the P2P lending industry self-regulatory body of which Akseleran is a member. Not a competitor but a key ecosystem/regulatory participant that shapes industry standards.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Akseleran social profiles
Digital presenceAkseleran financial estimates
Financial estimateRevenue estimate
Valuation estimate
Akseleran leadership team
Management profileNumber of profiles
Profiles4 records
Akseleran funding detail
Funding detailFunding overview
Funding rounds1 record
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Akseleran M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Akseleran
What does Akseleran do?
Akseleran is an OJK-licensed peer-to-peer (P2P) lending marketplace operating under POJK No. 10/POJK.05/2022 that connects individual and corporate lenders (Pemberi Dana) with Indonesian micro, small, and medium enterprise (UMKM) borrowers (Penerima Dana). The platform facilitates crowdfunded loan campaigns with average lender returns of 9.5%–10.5% per annum, tenors of 1–24 months, and minimum investments of Rp100,000. Borrowers can access a comprehensive loan suite including Invoice Financing, Receivable Financing, Inventory Financing, CapEx Financing, Supply Chain Financing, Distributor/Buyer Financing, Online Merchant Financing, Employee Loans, PayLater Bisnis, and Merchant Cash Advance Financing.
Is Akseleran a public or private company?
Akseleran is a private company. It is classified as venture growth investor backed and is currently operating.
When was Akseleran founded?
Akseleran was founded in 2016. It employs 101 to 250 people.
Where is Akseleran based?
Akseleran is headquartered in Jakarta, Indonesia, in the Asia region.
How does Akseleran make money?
Two revenue lines are on record. Transaction/Spread Revenue is the primary driver. The others are interest Rate Spread.
Who are Akseleran's main competitors?
Direct peers on record are KoinWorks, Amartha, Modalku (Funding Societies), Investree, Mekar.id, Pinjam Modal and Danamas (Sinar Mas). Broad incumbents are Funding Societies (SE Asia parent) and LendingClub. AFPI (Industry Association) is listed as an others.
Does Akseleran have an API?
No public API is recorded for Akseleran.
What industry is Akseleran in?
Akseleran's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 52231 and its SIC code is 6163.