Fuji Finance Indonesia

What Fuji Finance Indonesia does

PT Fuji Finance Indonesia Tbk is an OJK-regulated, publicly listed multifinance company headquartered in Jakarta, Indonesia. Founded on September 21, 1982 as Jaya Fajar Leasing Pratama, the company was renamed to its current identity in 2018 and completed its IPO on the Indonesian Stock Exchange on July 9, 2019 under ticker FUJI. It operates with a small staff (11-50 employees) and is controlled through affiliates of PT Charnic Capital, with Anton Santoso (founder of Okansa Group and President Director of PT Charnic Capital Tbk) historically serving as President Commissioner until the March 2026 transition to John Aryananda.

The company delivers six financing products to corporate and SME borrowers in Indonesia: Investment Financing (machinery, heavy equipment, vehicles, power plant equipment; >2 year terms; 1-2% monthly), Working Capital Financing (raw materials, inventory, operations; up to 2 years; 1-2% monthly), Multipurpose Financing (consumer procurement; <1 year; 1-3% monthly), Invoice Financing/Factoring (1-5% monthly), Bridging/Mezzanine Financing (1-6 months; 3-5% monthly), and Renewable/Green Financing (solar power generation; 1% monthly). Pricing is quote-based and varies by credit assessment. The business is balance-sheet driven: Fuji Finance raises and deploys capital, earns interest and fees, and does not operate a technology product or platform layer.

The go-to-market is direct enterprise field sales, with the company designing tailored financing structures for individual borrowers. Distribution is single-country (Indonesia), with one disclosed international exposure: a USD 2.75M green loan in March 2021 to PT Solarion Energy Alam subsidiaries for a Western Australia solar farm. Fuji Finance has been recognized by Infobank, Investor, Iconomics, and Warta Ekonomi as a top-performing multifinance company from 2018 through 2022, including a 10-year Platinum Trophy Award. The company does not disclose AI/ML capabilities and operates through traditional underwriting processes.

Name

Fuji Finance Indonesia

Legal name

PT Fuji Finance Indonesia Tbk

Website

https://fujifinance.com

Company type

Public

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

PT Fuji Finance Indonesia Tbk is an OJK-regulated, Jakarta-based multifinance company that provides investment, working capital, multipurpose, factoring, bridging, and renewable energy loans to corporate and SME borrowers in Indonesia, and has been listed on the IDX since 2019.

Ownership category

akta.pro rank

Product category

Multifinance / Corporate Lending

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Project Finance & Capital Structuring (Debt/Tax Equity/Project Bonds) (EUAMAAAD)

akta.pro secondary industries

Climate Finance Funds & Green Investment Facilities (BPADACAH), Infrastructure & Project Finance Private Debt (FSANADAH)

Keywords

• Multifinance services
• Corporate lending
• Equipment leasing
• Working capital loans
• Green energy financing

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Investment Financing: Long-term financing facilities for businesses to acquire capital goods such as industrial machineries, heavy equipment, power plant equipment, and vehicles. Terms typically exceed 2 years with monthly installments.
2. Working Capital Financing: Short-term financing for purchasing raw materials, inventory, and operational cash flow. Maximum period of 2 years with simple procedures and flexibility.
3. Multipurpose Financing: Financing for procurement of goods or services for consumption purposes within an agreed timeframe. Typically less than 1 year.
4. Factoring / Invoice Financing: Invoice factoring services allowing businesses to fund cash flow by selling invoices/receivables at a discount to provide immediate liquidity.
5. Bridging / Mezzanine Financing: Short-term property-backed finance typically used while refinancing to longer-term debt or selling a property. Usually 1-6 months term.
6. Renewable / Green Financing: Financing for green energy projects, specifically solar power systems. The company finances both greenfield and existing solar power generation projects.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

PT Fuji Finance Indonesia Tbk is a fully licensed Indonesian multifinance company providing corporate financing solutions including investment financing for capital goods (machinery, heavy equipment, vehicles), working capital loans, multipurpose financing, invoice factoring, bridging/mezzanine financing, and renewable/green energy project financing for solar power generation. The company serves business customers with customized financing structures and term lengths tied to the use case.

Product overview

PT Fuji Finance Indonesia is a licensed multifinance company that offers a portfolio of financing solutions rather than a software product platform. Its core offerings include Investment Financing, Working Capital Financing, Multipurpose Financing, Invoice Financing/Factoring, Bridging/Mezzanine Financing, and Renewable/Green Financing. The company does not operate a technology product; its offerings are financial services delivered through traditional lending processes.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Financing Long-term financing facilities for businesses to acquire industrial machineries, power plant equipment, heavy equipment, and transport vehicles. Terms typically exceed 2 years with monthly installments.
• Working Capital Financing Short-term financing for purchasing raw materials, inventory, and operational cash flow. Maximum period of 2 years with simple procedures and flexibility.
• Multipurpose Financing Financing for procurement of goods or services for consumption purposes within an agreed timeframe. Typically less than 1 year.
• Invoice Financing / Factoring Invoice factoring services allowing businesses to fund cash flow by selling invoices/receivables at a discount to provide immediate liquidity.
• Bridging / Mezzanine Financing Short-term property-backed finance typically used while refinancing to longer-term debt or selling a property. Usually 1-6 months term.
• Renewable / Green Financing Financing for green energy projects, specifically solar power systems. The company finances both greenfield and existing solar power generation projects.

Quantifiable outcome

• 10 consecutive years (2012-2022) recognized as best performing multifinance company with Platinum Throphy Award
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• PT Oto Multiartha: Indonesia's largest captive automotive financing company (Summarecon-affiliated). While focused primarily on auto financing, it operates in the same multifinance regulatory category as Fuji Finance and competes for similar corporate customers seeking vehicle/equipment financing.

Direct peers

• PT BFI Finance Indonesia Tbk: Major Indonesian multifinance company (IDX: BFIN) providing investment financing, working capital, and consumer financing. Closely comparable business model and customer segments to Fuji Finance, with significantly larger scale and branch network.
• PT Clipan Finance Indonesia Tbk: Long-established Indonesian multifinance company (IDX: CFIN) offering consumer and corporate financing. Comparable operating history and product mix to Fuji Finance, including working capital and investment financing.
• PT Sinar Mas Multifinance: Sinar Mas Group's multifinance entity offering consumer and corporate financing in Indonesia. Similar product portfolio and Indonesian corporate customer base to Fuji Finance.
• PT Astra Sedaya Finance: Astra Group's consumer financing arm focused on auto financing (ACC brand). Comparable vehicle/equipment financing focus to Fuji Finance's investment financing product, though larger and more concentrated in automotive.
• PT Mandala Multifinance Tbk: Indonesian multifinance company offering consumer and SME financing products. Comparable scale and customer segments to Fuji Finance, providing a relevant comp for valuation benchmarking.
• PT Adira Dinamika Multi Finance Tbk: One of Indonesia's largest multifinance companies (IDX: ADMF), affiliated with Bank Danamon. Directly comparable to Fuji Finance in offering investment, working capital, and consumer financing to Indonesian corporates and consumers, but at substantially larger scale.
• PT BCA Finance: Multifinance subsidiary of Bank Central Asia (IDX: BBCA), offering consumer financing for vehicles and durable goods. Comparable equipment/vehicle financing business to Fuji Finance, with the funding advantage of a parent bank.
• PT Federal International Finance (FIF): Astra Group's multifinance arm and one of Indonesia's largest financing companies. Competes directly with Fuji Finance in motorcycle/vehicle financing and broader corporate financing products, with much deeper capital and origination capacity.
• PT WOM Finance Tbk: Publicly listed Indonesian multifinance company (IDX: WOMF) offering similar motorcycle, car, and consumer financing products. Comparable size and business model to Fuji Finance, making it a near-direct comp for valuation purposes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

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 Fuji Finance Indonesia