© 2020 Xendit (PT Sinar Digital Terdepan). All rights reserved.
Gain access to flexible financing with xencapital when you need it, that traditional banks won’t give you.
Businesses using Xendit are some of the fastest growing businesses. Traditional lenders don’t know how to serve you, requiring long applications and personal guarantees. Replacing that ancient model is xencapital with fast, flexible financing that allows you to invest in your growth.
Talk to your sales representative to see how you and Xendit can work together.
Refer your customers or vendors to apply for credit limit.
a. Customers can utilize their credit limit towards purchases on your platform.
b. Vendors can utilize their credit limit towards financing their capital needs.
a. We'll settle the funds immediately to your account less applicable merchant discount rate.
b. We'll share you interest income we receive from your vendors as they repay.
Get funds quickly
We rely primarily on your payments history on Xendit to determine your eligibility. No lengthy or complex process, with funds arriving as fast as tomorrow.
Simple, transparent rates
We quote you APR (Annual Percentage Rate) instead of fixed rates which traditional lenders do to cost you more. We don't require personal guarantees, we don't hide fees or add complex terms.
Pay when you get paid
Repayment is automated from your account as you get paid. This means you can focus on growing your business, and don't need to worry about late fees or administering your loan.
Extend loans to vendors or customers on your platform to strengthen your supplier or customer relationships and further support growth of transactions on your platform.
0% 30-day term of payment for your customers
Majority of business customers expect payment terms when conducting purchases. Now you can free up your working capital, while increasing the basket size of your customers' purchases on your platform.
Expansion capital for your vendors
Whether it is a new location for business expansion, renovation needs or business purchases - we'll help your vendors with capital to grow and support your business.
Shorten working capital cycles for your vendors
Most small B2B vendors struggle with long-payment cycles from their customers, which limits their capacity to fullfill orders on your platform. We can help them alleviate their cashflow gap so they can further transact on your platform.
Customers may be inconvenienced or annoyed when you don't have stock, now you can always fulfill orders. Use the funds to restock, purchase new products to sell in your business or buy additional inventory so you can be ahead of your growth curve.
Bridge liquidity needs from invoice receivables for a smoother cash flow. We work with partners to help you borrow up to 80% of an invoice.
Invest capital to get your products and services out to the market, or capitalize on an opportunity for business expansion and growth with access to quick funding.