AgreeSIP

What AgreeSIP does

AgreeSIP, operated under the legal entity PT Solusi Integrasi Pratama, is an Indonesian digital cash loan agent platform founded in 2022 and headquartered in Kabupaten Tangerang, Banten. The company functions as an online intermediary that connects individual and small-business borrowers seeking cash loans — secured by vehicle registration documents (BPKB for cars and motorcycles) or property certificates (SHM/Sertifikat Hak Milik) — with a network of six bank and non-bank financing partners: BFI Finance, MCF (Mandiri Capital Finance), Mandiri Tunas Finance, Mandiri Utama Finance, SMART Finance, and Kredit Plus. Underwriting, survey, validation, and disbursement are performed by these partner financiers; AgreeSIP's role is customer acquisition, digital application capture, simulation tooling, and lead referral.

The platform is built on a web-based online application interface with WhatsApp as the primary mid-funnel contact channel and a nationwide independent agent network (AgenSIP) as the bottom-funnel referral layer. Core products include Gadai BPKB Mobil, Gadai BPKB Motor, and Gadai SHM loans, with minimum disbursements of Rp 10 million and disbursements up to 90% of collateral value across tenors of 6 to 60 months. AgreeSIP also offers a free online simulation tool, marketing content via AgreeBlog, and an agent program paying up to 8% referral commission. Customer segments are Indonesian UMKM owners (food stalls, coffee shops, retail, restaurants) and individual consumers needing emergency, education, medical, or business capital.

Revenue is generated exclusively through agency fees and commissions from partner financing institutions on successfully referred and disbursed loans; AgreeSIP does not charge its own administrative fees to borrowers, and interest rates (starting from 0.65% flat per month) are set by the partner financiers. The firm is privately held with no disclosed funding rounds, a headcount of 11-50, and serves all of Indonesia via digital and partner branch channels.

Name

AgreeSIP

Legal name

PT Solusi Integrasi Pratama

Website

https://agreesip.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

AgreeSIP (PT Solusi Integrasi Pratama) is an Indonesian digital cash loan agent platform that refers individual and UMKM borrowers to six partner financing institutions for BPKB- and SHM-secured loans, distributed via website, WhatsApp, and a 1,000+ agent network across Indonesia.

Ownership category

akta.pro rank

Headquarters

HQ city

Banten

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Loan Facilitation and Agency Fees: AgreeSIP operates as a cash loan agent, facilitating loans secured by vehicle registration documents (BPKB) and property certificates (SHM). Revenue is generated through agency fees and commissions from its network of bank and non-bank financing partner institutions. The platform matches borrowers with lenders, handles the initial application and document collection, and refers completed applications to partner financing companies for underwriting and disbursement.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

AgreeSIP is a digital cash loan agent platform that facilitates collateral-based loans in Indonesia by connecting borrowers with bank and non-bank financing partners. Customers pledge vehicle registration documents (BPKB for cars or motorcycles) or property certificates (SHM) to obtain cash loans with disbursement up to 90% of asset value, tenors from 6 to 60 months, and interest rates starting from 0.65% flat per month. Applications are submitted online or via WhatsApp, with loan processing, survey, and disbursement handled by affiliated financing institutions.

Product overview

AgreeSIP is an online cash loan agent platform operating under PT Solusi Integrasi Pratama. The platform connects borrowers with bank and non-bank financing partners (including BFI Finance, MCF, Mandiri Tunas Finance, Mandiri Utama Finance, Smart Finance, and Kredit Plus) to facilitate collateral-based loans. Core offerings include Gadai BPKB Mobil (car loans), Gadai BPKB Motor (motorcycle loans), and Gadai SHM (property certificate loans). The platform provides a free loan simulation tool and operates an agent referral program where partners earn up to 8% commission for referring customers. Loans range from Rp 10 million minimum with disbursement up to 90-95% of collateral value, tenors from 6 to 60 months, and interest rates starting from 0.65% per month.

Differentiator

Problem solved

Functional benefit

Products and services

• Gadai BPKB Mobil Cash loan service using car vehicle registration document (BPKB Mobil) as collateral, with disbursement up to 90% of vehicle value, tenors from 6 to 60 months, and interest rates starting from 0.65% flat per month set by partner financing institutions. Processable for all of Indonesia with 1-2 business day processing time.
• Gadai BPKB Motor Cash loan service using motorcycle vehicle registration document (BPKB Motor) as collateral, offering quick disbursement with minimal requirements and flexible tenor options.
• Gadai SHM (Sertifikat Hak Milik) Cash loan service using Indonesian property certificates (SHM) as collateral for land or real estate, with processing time of 10-14 working days and processing routed through partner financing institutions.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• BFI FinancecoreChannel Partner/ Reseller/ DistributorBFI Finance is a major Indonesian financing company established since 1982 with over 38 years of experience. AgreeSIP partners with BFI Finance to offer vehicle registration (BPKB) loan products through its digital platform. BFI Finance provides the actual loan underwriting and disbursement, while AgreeSIP facilitates customer acquisition and initial application processing online. The partnership enables customers to apply for BFI Finance products through AgreeSIP's website and agent network with priority service access and 24/7 support.
• Kredit PluscoreChannel Partner/ Reseller/ DistributorKredit Plus is a non-bank financial institution operating in Indonesia. AgreeSIP partners with Kredit Plus as one of its official financing partners to process vehicle registration (BPKB) loan applications. The partnership enables AgreeSIP to offer Kredit Plus financing products to its customers through the online platform.
• Mandiri Tunas FinancecoreChannel Partner/ Reseller/ DistributorMandiri Tunas Finance is an Indonesian multi-finance company (subsidiary of Bank Mandiri). AgreeSIP partners with Mandiri Tunas Finance as an official financing partner to facilitate vehicle registration (BPKB) loan products through its digital platform and agent network.
• Mandiri Utama FinancecoreChannel Partner/ Reseller/ DistributorMandiri Utama Finance is a financing company backed by Bank Mandiri. AgreeSIP works with Mandiri Utama Finance as an official partner to process vehicle registration and property certificate (SHM) loan products through the AgreeSIP platform.
• SMART FinancecoreChannel Partner/ Reseller/ DistributorSMART Finance is a non-bank financing institution in Indonesia. AgreeSIP partners with SMART Finance to offer vehicle registration (BPKB) loan products through its digital platform, providing additional financing options to customers across Indonesia.
• MCF (Mandiri Capital Finance)coreChannel Partner/ Reseller/ DistributorMCF (Mandiri Capital Finance) is a financing company operating in Indonesia. AgreeSIP partners with MCF as one of its official financing partners to process vehicle registration (BPKB) loan products, expanding the range of financing options available to AgreeSIP customers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Investree: Indonesian peer-to-peer and SME lending platform that connects borrowers with retail and institutional funders through a digital marketplace. Shares AgreeSIP's role as a digital aggregator intermediary in Indonesian lending and targets overlapping underserved borrower segments.
• KoinWorks: Indonesian fintech lending platform that aggregates capital from multiple funding sources for SMB and consumer borrowers via a digital-first funnel. Like AgreeSIP, it operates as a multi-product digital aggregator serving similar Indonesian segments without taking direct balance-sheet credit risk in every product.
• Taralite: Earlier-stage Indonesian digital lending platform focused on consumer cash loans via mobile channels. Operates in the same digital consumer credit category as AgreeSIP and serves overlapping Indonesian borrower segments through online origination.
• Kredivo: Indonesian fintech credit provider offering digital consumer credit and pay-later products. Uses a similar data-driven online onboarding approach to serve underbanked Indonesians, making it a comparable digital consumer lending peer despite differing product mix.
• Kredit Pintar: Indonesian fintech lending app providing digital cash loans to individuals through a fully online application flow. Mirrors AgreeSIP's Indonesian digital consumer credit positioning, though focused on smaller-ticket unsecured cash loans rather than collateralized BPKB/SHM products.
• Julo: Indonesian digital consumer lending app offering installment loans to underbanked borrowers through a mobile-first experience. Comparable to AgreeSIP in serving Indonesian consumers with limited bank access via digital channels, although Julo's underwriting is largely data-driven and unsecured rather than collateral-based.

Broad incumbents

• FIF Group: Astra-affiliated Indonesian multifinance group, dominant in motorcycle (BPKB Motor) financing — directly comparable to one of AgreeSIP's core product lines. Operates at significantly larger scale with an established nationwide branch network and growing digital presence.
• BFI Finance: One of Indonesia's largest multifinance companies and a core financing partner of AgreeSIP. Operates broadly across the same BPKB-driven consumer credit space and is simultaneously a supplier of capital to AgreeSIP and a competitor for end-borrower relationships via its own branch and digital channels.
• Pegadaian: Indonesian state-owned pawnbroker and the country's largest gadai operator, with thousands of branches and an expanding digital channel. Directly competes with AgreeSIP in BPKB/SHM-based consumer credit at materially larger scale, and is the structural benchmark for the pawn-lending category in Indonesia.
• Adira Finance: Major Indonesian multifinance company affiliated with Danamon and Daihatsu, with deep vehicle financing exposure. Operates in the same BPKB-backed consumer credit category as AgreeSIP with a significant branch and digital presence, representing a scaled-up comparable in the category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Instagraminstagram.com/Agreesip.id
• Xx.com/agreesip_com
• Facebookfacebook.com/agreesip
• LinkedInlinkedin.com/company/agreesip

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AgreeSIP