Danabijak
Danabijak is an API-first embedded finance platform that provides digital lending products, including microloans, Merchant Cash Advance, and invoice financing, to Indonesian MSMEs and individuals through white-labeled integrations with partner platforms, operating under a permanent OJK fintech license.
- Company typePrivate
- Founded2016
- HeadquartersJakarta, Indonesia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Danabijak does
Danabijak, operated by PT Digital Micro Indonesia, is an API-first embedded finance platform headquartered in Jakarta, Indonesia, that delivers digital lending products to Indonesian micro, small, and medium enterprises (UMKM) and individual borrowers through partner digital ecosystems. Its product portfolio spans collateral-free microloans (Dana Bijak), Merchant Cash Advance, invoice financing (Pembiayaan Faktur), purchase financing (Pembiayaan Pembelian), and salary advance loans (Pinjaman Gaji), with additional borrower-facing surfaces RIPLAY and UKM Dana Bijak. The company serves three constituencies: platform partners that white-label credit into their UX, institutional lenders seeking exposure to Indonesian MSME credit, and end borrowers accessing loans through embedded flows. Cumulative operating metrics cited by the company include 500,000+ loans disbursed, 3,000,000+ borrower credit scores generated, and Rp 1 Trillion+ in total disbursements across an 8+ year operating history.
The platform is built on an API-first architecture featuring automated KYC with fraud detection, ML-based credit assessment, an OJK-compliant regulatory framework, end-to-end loan servicing and collections, a banking ledger, and advanced analytics. Danabijak holds a permanent Indonesian fintech license from OJK (KEP-92/D.05/2021, granted 2021) and is registered with AFPI, KOMINFO, KAN, and LSP, and ISO-certified. The company reports a TKB90 (90-day loan resolution rate) of 74.28%. Named distribution partners include Mekari, GoTyme, Olsera, CareNow, FLIN, Finn, Kantara, and Wagely, spanning POS, accounting software, healthcare, neobanking, and earned-wage-access verticals.
Danabijak monetizes through transaction fees on loans originated through its embedded infrastructure, with custom B2B pricing tied to partner volume and product mix; specific take rates are not publicly disclosed. The go-to-motion is primarily API/embedded distribution complemented by enterprise field sales with a five-step onboarding funnel (application review, product consultation, lender matching, API integration, operational launch). The company is privately held under Singapore parent Digital Micro Pte Ltd, operates only in Indonesia, and reports a headcount of 11–50 employees.
Danabijak firmographics
Firmographics- Name
- Danabijak
- Legal name
- PT Digital Micro Indonesia
- Website
- https://danabijak.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Danabijak is an API-first embedded finance platform that provides digital lending products, including microloans, Merchant Cash Advance, and invoice financing, to Indonesian MSMEs and individuals through white-labeled integrations with partner platforms, operating under a permanent OJK fintech license.
- Ownership category
- akta.pro rank
Danabijak industry classification
Industry- Product category
- Embedded Digital Lending
- NAICS
- Sales Financing (52222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
- akta.pro secondary industry
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
Keywords
Where Danabijak is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
Danabijak business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Loan Transaction Fees: Revenue generated from loan disbursements and transactions processed through the embedded finance platform. The platform connects lenders with borrowers through partner ecosystems and earns fees per loan transaction.
- API Integration Services: Fees charged to platform partners for embedding loan products through Danabijak's API infrastructure, enabling partners to offer credit to their users.
- Revenue from Transaction Financing: Partners generate revenue from financing transactions while Danabijak handles the underlying lending infrastructure, compliance, and risk management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | B2B embedded finance solutions for platform partners |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Danabijak product offering
Product offeringCore offering
Danabijak operates an embedded finance platform that connects lenders with borrowers through API integration into partner digital ecosystems. It provides collateral-free microloans and credit products including merchant cash advance, invoice financing, purchase financing, and salary loans to Indonesian MSMEs and individual borrowers. The platform is operated under PT Digital Micro Indonesia with a permanent OJK fintech license and serves as the lending infrastructure behind partner platforms such as Mekari, GoTyme, CareNow, FLIN, Olsera, and others.
Product overview
Danabijak is an embedded finance platform operated by PT Digital Micro Indonesia, offering a suite of digital financing solutions through its core platform and multiple product modules. The platform provides collateral-free online loans (Dana Bijak) as the primary offering, supplemented by Merchant Cash Advance (MCA), invoice financing, purchase financing, and salary loans. The ecosystem includes RIPLAY for direct borrowers and UKM Dana Bijak for SME financing. All products integrate via the Dana Bijak API into partner platforms including Mekari, CareNow, FLIN, Olsera, Kentara, Finn, and GoTyme, enabling real-time credit assessment, instant approval, and fast disbursement while maintaining regulatory compliance through the company's full OJK fintech license.
Differentiator
Problem solved
Functional benefit
Products and services
- Dana Bijak (Core Platform) Flagship embedded finance platform providing digital financing solutions that connect businesses, partners, and individuals through secure digital financing integration, with real-time approval and disbursement.
- Merchant Cash Advance (MCA)
Quantifiable outcome
- 500K+ loans disbursed through the platform
- +4 more outcomes
Companies that use Danabijak
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Danabijak technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability3 records
Feature8 records
Danabijak partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and major.
- MekaricoreMekari integrates Danabijak's loan products into their business management platforms (Mekari Jurnal, Mekari Capital). Partnership enables payroll loans and business financing for Mekari users. Testimonials indicate efficient disbursement facilitation and excellent communication.
- GoTymecoreGoTyme launched Flexible Funding solution powered by Danabijak for small businesses in Indonesia. Danabijak enabled quick product launch with committed, capable, and transparent team support.
- OlseracoreOlsera, as a business management solution for MSMEs, partnered with Danabijak to offer easy access, fast, and transparent financing products. Partnership since 2025.
- CareNowmajorHealthcare platform integrating Danabijak loan products for their users
- FLINmajorDigital platform partner offering Danabijak-powered financing solutions
- FinnmajorPartner platform providing Danabijak loan products to their users
- KantaramajorPartner platform integrating Danabijak financing solutions
- GoTymecoreGoTyme launched Flexible Funding solution powered by Danabijak enabling small businesses to access financing in Indonesia. Danabijak proven to be a trustworthy partner with committed, capable, and transparent team. Partnership since 2025.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Danabijak competitors and assessment
Company assessmentDirect peers
- Kredivo: Indonesian digital credit/BNPL platform providing instant credit financing to consumers and merchants. Overlaps with Danabijak's purchase financing and merchant-embedded credit offerings in Indonesia.
- Investree: Indonesian P2P lending platform providing invoice financing, working capital loans, and SME financing. Holds an OJK license and is a direct comparable in Indonesian MSME embedded lending.
- Modalku (Funding Societies): Indonesian P2P lending platform focused on SME financing across Southeast Asia. Operates with an OJK license and competes directly with Danabijak for Indonesian MSME borrowers and lender capital.
- Akseleran: Indonesian P2P lending marketplace focused on SME financing with OJK registration. Competes in the same Indonesian MSME lending category as Danabijak.
- Amartha: Indonesian fintech lender focused on financial inclusion for micro and small businesses, particularly in rural and unbanked segments. Competes with Danabijak in the Indonesian MSME lending space with OJK registration.
- KoinWorks: One of Indonesia's largest P2P/SME lending platforms, offering business loans and personal financing to individuals and MSMEs via a digital platform. Directly competes with Danabijak in the Indonesian MSME lending market.
Others
- Mekari: Indonesian business management SaaS platform (accounting, payroll, HR). A core Danabijak distribution partner via Mekari Capital — included as a key ecosystem/partner comparable rather than a competitor.
- GoTyme: Indonesia-focused digital banking and merchant services platform. A 2025 distribution partner of Danabijak for Flexible Funding — included as an ecosystem/partner comparable rather than a competitor.
Regional players
- Validus: Singapore-headquartered SME lending platform operating across Southeast Asia including Indonesia. Comparable as a regional digital lender serving MSMEs through institutional capital.
Emerging players
- Atome: SEA BNPL platform that embeds financing into merchant checkout experiences. Comparable to Danabijak's Merchant Cash Advance and purchase financing products embedded at partner POS/checkout.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Danabijak social profiles
Digital presenceDanabijak compliance and trust
Trust signalCompliance6 records
Danabijak financial estimates
Financial estimateRevenue estimate
Valuation estimate
Danabijak leadership team
Management profileNumber of profiles
Profiles3 records
Danabijak funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Danabijak 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 Danabijak
What does Danabijak do?
Danabijak operates an embedded finance platform that connects lenders with borrowers through API integration into partner digital ecosystems. It provides collateral-free microloans and credit products including merchant cash advance, invoice financing, purchase financing, and salary loans to Indonesian MSMEs and individual borrowers. The platform is operated under PT Digital Micro Indonesia with a permanent OJK fintech license and serves as the lending infrastructure behind partner platforms such as Mekari, GoTyme, CareNow, FLIN, Olsera, and others.
Is Danabijak a public or private company?
Danabijak is a private company. It is classified as venture growth investor backed and is currently operating.
When was Danabijak founded?
Danabijak was founded in 2016. It employs 11 to 50 people.
Where is Danabijak based?
Danabijak is headquartered in Jakarta, Indonesia, in the Asia region.
How does Danabijak make money?
Three revenue lines are on record. Loan Transaction Fees are the primary driver. The others are API Integration Services and revenue from Transaction Financing.
Who are Danabijak's main competitors?
Direct peers on record are Kredivo, Investree, Modalku (Funding Societies), Akseleran, Amartha and KoinWorks. Others are Mekari and GoTyme. Validus is listed as a regional player. Atome is listed as an emerging player.
Does Danabijak have an API?
Yes. Danabijak offers a loan API that enables seamless integration of financing solutions into partner platforms. The API allows real-time loan integration with partners, lenders, and data providers. The API-first approach enables embedding financing as simply as connecting a feature, with minimal development requirements. The platform handles compliance, credit assessment, and regulatory requirements while partners focus on their core business growth.
What industry is Danabijak in?
Danabijak's product category is Embedded Digital Lending. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing). Its NAICS code is 52222 and its SIC code is 6163.