KOINBISNIS: Boost Your Business Growth to the Next Level

Whatever type of business you are running, we believe that it has every potential needed to grow. Get up to IDR2 billion non-collateral business loans with instant approval from KoinBisnis and grow even further.

Google Play Download
App Store Download

Already have an account?

Login to KoinBisnis

(Only for Borrowers who have registered before December 10, 2019)

KoinBisnis

Accessible & Affordable Business Financing

How KoinBisnis Works

  1. Borrower applies for a loan online via the app.
  2. KoinWorks assesses the data and classifies the credit scores into five main tiers, from A – E.
  3. The loan will then be issued into the marketplace.
  4. Lenders assess the detailed information about the loan, decide and start funding it.
  5. Loan is fully funded and disbursed into the Borrower’s assigned bank account.
  6. The Borrower starts using it and pay monthly installments.
  7. KoinWorks system automatically distributes returns to Lenders based on the portion of their funding (Principal + Interest).

Requirements, Rates, & Fees

Get Inspired by Their Success Stories

Listen to the inspiring stories of those who have the courage to realize their dreams and get inspired to achieve yours. Create your own opportunity and be the next inspiration.

Borrower Story - KoinBisnis

“KoinWorks utilizes a suitable business model for Indonesia because it helps build enterprises and "deliver solutions that impact people's lives.” - Tech in Asia

e27 logo
krAsia logo

“Seeing that almost every SMEs have adopted digital market, this is a market potential that KoinWorks has been focusing on where the company aims to have financial inclusion in the country.” - e27

krAsia logo

“By leveraging machine learning, KoinWorks offers low-interest loans for borrowers while promising better returns for lenders.” - Kr-asia.com

e27 logo
logo krAsia

“The idea of KoinWorks is to cater to small and medium businesses where a majority of the players are still unbanked and underbanked.” - DealStreetAsia

e27 logo
krAsia logo
logo deal street asia

“KoinWorks utilizes a suitable business model for Indonesia because it helps build enterprises and "deliver solutions that impact people's lives.” - Tech in Asia

“Almost all SMEs have adopted digital market, this is a market potential that KoinWorks has been focusing on where the company aims to have financial inclusion in the country.” - e27

“By leveraging machine learning, KoinWorks offers low-interest loans for borrowers while promising better returns for lenders.” - Kr-asia.com

logo krAsia

“The idea of KoinWorks is to cater to small and medium businesses where a majority of the players are still unbanked and underbanked.” - DealStreetAsia

logo deal street asia

Trusted Partners

We are proud to have partnership with reputable brands in order to bring the convenient and accessible financial services for everyone.

How to Use KoinBisnis

How to Use Homepage - 1

Download Our Super Financial App

Available on Google Play and App Store, For Free.

Google Play Download
App Store Download
How to Use Bisnis - 1

Register & Apply for a Loan

Register your business account and start applying for a loan. Complete the form and upload the required documents through the KoinWorks application.

How to Use Bisnis - 2

Waiting for Confirmation

Just sit tight. We will immediately process your loan application and really eager to bring a good news regarding the next steps.

How to Use Bisnis - 3

Funding Process

Once approved, your loan will be released into the marketplace. The funding process will be started immediately and your loan can be disbursed to your bank account when it’s at least 80% funded.

How to Use Bisnis - 4

Pay the Installment

It’s time to pay the monthly installment. No additional fee or penalty if you decide to pay off your loan earlier than the assigned tenor.

How to Use Homepage - 4

You’re all set to enjoy our new financial experience!

KOINBISNIS: Boost Your Business Growth to the Next Level

Whatever type of business you are running, we believe that it has every potential needed to grow. Get up to IDR2 billion non-collateral business loans with instant approval from KoinBisnis and grow even further.

Google Play Download
App Store Download

Already have an account?

Login to KoinBisnis

(Only for Borrowers who have registered before December 10, 2019)

KoinBisnis

Accessible & Affordable Business Financing

How KoinBisnis Works

Requirements, Rates, & Fees

koinbisnis individu
koinbisnis company

Get Inspired by Their Success Stories

Listen to the inspiring stories of those who have the courage to realize their dreams and get inspired to achieve yours. Create your own opportunity and be the next inspiration.

Borrower Story - KoinBisnis

“KoinWorks utilizes a suitable business model for Indonesia because it helps build enterprises and "deliver solutions that impact people's lives.” - Tech in Asia

e27 logo
krAsia logo

“Seeing that almost every SMEs have adopted digital market, this is a market potential that KoinWorks has been focusing on where the company aims to have financial inclusion in the country.” - e27

krAsia logo

“By leveraging machine learning, KoinWorks offers low-interest loans for borrowers while promising better returns for lenders.” - Kr-asia.com

e27 logo
logo krAsia

“The idea of KoinWorks is to cater to small and medium businesses where a majority of the players are still unbanked and underbanked.” - DealStreetAsia

e27 logo
krAsia logo
logo deal street asia

“KoinWorks utilizes a suitable business model for Indonesia because it helps build enterprises and "deliver solutions that impact people's lives.” - Tech in Asia

“Almost all SMEs have adopted digital market, this is a market potential that KoinWorks has been focusing on where the company aims to have financial inclusion in the country.” - e27

“By leveraging machine learning, KoinWorks offers low-interest loans for borrowers while promising better returns for lenders.” - Kr-asia.com

logo krAsia

“The idea of KoinWorks is to cater to small and medium businesses where a majority of the players are still unbanked and underbanked.” - DealStreetAsia

logo deal street asia

Trusted Partners

We are proud to have partnership with reputable brands in order to bring the convenient and accessible financial services for everyone.

How to Use Homepage - 1

Download Our Super Financial App

Available on Google Play and App Store, For Free.

How to Use Bisnis - 1

Register & Apply for a Loan

Register your business account and start applying for a loan. Complete the form and upload the required documents through the KoinWorks application.

How to Use Bisnis - 2

Waiting for Confirmation

Just sit tight. We will immediately process your loan application and really eager to bring a good news regarding the next steps.

How to Use Bisnis - 3

Funding Process

Once approved, your loan will be released into the marketplace. The funding process will be started immediately and your loan can be disbursed to your bank account when it’s at least 80% funded.

How to Use Bisnis - 4

Pay the Installment

It’s time to pay the monthly installment. No additional fee or penalty if you decide to pay off your loan earlier than the assigned tenor.

How to Use Homepage - 4

You’re all set to enjoy our new financial experience!