Licensed & Supervised by OJK

Growing Ecosystem,For Sustainable Financial Access

One funding ecosystem connecting Anchor (Partner Company), Supplier (Vendor), lenders and partner members.

Start FundingApply for Loan
Average Return0%Per Year
TKB900%Loan repayment success rate
Total Disbursed FundingRp0+Since inception
OJK Registered◆Disbursement in 3 Working Days◆Starts from Rp 100,000◆Connected Solutions◆P2P Lending◆Return 19,30% / Year◆
OJK Registered◆Disbursement in 3 Working Days◆Starts from Rp 100,000◆Connected Solutions◆P2P Lending◆Return 19,30% / Year◆
OJK Registered◆Disbursement in 3 Working Days◆Starts from Rp 100,000◆Connected Solutions◆P2P Lending◆Return 19,30% / Year◆

Growing Ecosystem

A Connected Funding Ecosystem

Sanders brings Anchor (Partner Company), Supplier (Vendor), Lender, and Partner Member together in a clear, verified, and easy-to-monitor funding flow.

Ecosystem Summary

How the Sanders ecosystem works

Every need starts from clear context: business transactions, working capital, or employee needs supported by data verification and digital monitoring.

Ecosystem Advantages

✓ Verified Data✓ Monitoring✓ Smart Matching✓ Measured Risk✓ Transparent✓ Integrated

Closed Loop Flow

Transaction
Verification
Funding
Monitoring
Explore Ecosystem Operations
Core Centerpiece

Sanders Funding Hub

Closed Loop Funding Engine

ISO 27001 CertifiedOJK Supervised

Partner Company

Anchor

  • Builds a healthy business financing ecosystem.
  • Structured and scheduled obligation payments.

Vendor

Supplier

  • Fast access to invoice financing facilities.
  • Smoother cash flow, seamless daily operations.

Internal & External

Lender

  • Achieves measurable competitive returns.
  • Transparent and directed funding diversification.

Partner Employee

Partner Member

  • Fast digital employee financing access.
  • Transparent and secure fund management.

Registered & Trusted

Associations, regulators, and standards supporting digital financial governance.

AFPI
Komdigi
ISO

Why Sanders

Why choose Sanders?

Sanders provides access to funding and loans in an ecosystem that prioritizes ease, speed, transparency, and risk management.

For Lenders

Funding that is easy to understand, transparent, and supported by a risk analysis process.

Measurable RiskEvery loan application is analyzed through a scoring system based on the borrower profile and criteria.
Competitive ReturnsFunding opportunities with estimated returns based on tenor and risk profile.
Easily AccessibleFunding can be done online, anytime, with flexible nominal choices.

For Borrowers

Practical access to financing for personal and productive needs within the partner ecosystem.

EasyRegistration and application are done online with a clear and easy-to-understand flow.
FastVerification through disbursement is made efficient so funding needs can be handled sooner.
Competitive FeesFees and interest information is shown clearly so users can decide with more confidence.

Diversified Funding

Spread funding, manage risk more effectively.

Allocate funds to various borrower profiles and tenors in the Sanders ecosystem. Diversification helps lenders build strategies that are more stable, measurable, and aligned with risk preferences.

Fund smarter, spread the risk.

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Our Partners

Connected with strategic partners.

Business collaboration, banking, digital payments, and e-signatures supporting Sanders services.

Nabati
Richeese
BNI
Mandiri
Doku
Permata
Digisign
Xignature
Important Warning

Caution, this transaction is high risk. You may experience financial losses or lose your money. Do not go into debt if you cannot afford to pay. Consider wisely before transacting.

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User Stories

Experiences from the Sanders ecosystem.

"

Through Sanders, I secured funding quickly and effortlessly. Thank you Sanders for helping support my financial needs.

Borrower

Private Sector Employee

"

Applying for a loan was seamless. With the extra capital for product inventory, my business revenue has grown significantly.

Borrower

Entrepreneur

"

Straightforward requirements make financing accessible. Sanders has been instrumental for my funding needs. Keep up the great service!

Borrower

Private Sector Employee

"

The returns are highly competitive. I simply select the loans I want to fund based on credit ratings to achieve optimal yields.

Lender

Private Sector Employee

"

Sanders provides excellent service. Every step from application to disbursement can be tracked in the app along with prompt confirmations.

Borrower

Entrepreneur

"

Fund disbursement is remarkably fast—extremely helpful when emergency working capital is needed.

Borrower

Private Sector Employee

"

Installment payment channels are comprehensive, making it very convenient for me to repay on time.

Borrower

Private Sector Employee

"

Through Sanders, I secured funding quickly and effortlessly. Thank you Sanders for helping support my financial needs.

Borrower

Private Sector Employee

"

Applying for a loan was seamless. With the extra capital for product inventory, my business revenue has grown significantly.

Borrower

Entrepreneur

"

Straightforward requirements make financing accessible. Sanders has been instrumental for my funding needs. Keep up the great service!

Borrower

Private Sector Employee

"

The returns are highly competitive. I simply select the loans I want to fund based on credit ratings to achieve optimal yields.

Lender

Private Sector Employee

"

Sanders provides excellent service. Every step from application to disbursement can be tracked in the app along with prompt confirmations.

Borrower

Entrepreneur

"

Fund disbursement is remarkably fast—extremely helpful when emergency working capital is needed.

Borrower

Private Sector Employee

"

Installment payment channels are comprehensive, making it very convenient for me to repay on time.

Borrower

Private Sector Employee

"

Through Sanders, I secured funding quickly and effortlessly. Thank you Sanders for helping support my financial needs.

Borrower

Private Sector Employee

"

Applying for a loan was seamless. With the extra capital for product inventory, my business revenue has grown significantly.

Borrower

Entrepreneur

"

Straightforward requirements make financing accessible. Sanders has been instrumental for my funding needs. Keep up the great service!

Borrower

Private Sector Employee

"

The returns are highly competitive. I simply select the loans I want to fund based on credit ratings to achieve optimal yields.

Lender

Private Sector Employee

"

Sanders provides excellent service. Every step from application to disbursement can be tracked in the app along with prompt confirmations.

Borrower

Entrepreneur

"

Fund disbursement is remarkably fast—extremely helpful when emergency working capital is needed.

Borrower

Private Sector Employee

"

Installment payment channels are comprehensive, making it very convenient for me to repay on time.

Borrower

Private Sector Employee

Regulatory Framework

Precise, Measured, Supervised

PT Satustop Finansial Solusi ("SANDERS") is registered and licensed by the Financial Services Authority ("OJK") as an Information Technology-Based Co-Funding Services (LPBBTI) Provider with Business License Number KEP-40/D.05/2021 dated May 11, 2021, such that the conduct of its business activities is strictly supervised by OJK in accordance with Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI).

SandersOJK Disclosure
01

This Information Technology-Based Co-Funding Service (LPBBTI) constitutes a civil agreement and consensus between the Lender and the Borrower, such that all risks shall be borne by each respective party.

02

Credit risk or default and all losses arising from or related to the borrowing and lending agreement shall be borne entirely by the Lender. No state institution or authority is responsible for such default risk and losses except through insurance coverage in accordance with applicable terms and conditions.

03

The Provider, with the consent of each respective User (Lender and/or Borrower), accesses, obtains, stores, manages, and/or uses User personal data ("Data Utilization") on or within physical objects, electronic devices (including smartphones or mobile phones), hardware or software, electronic documents, applications, or electronic systems owned or controlled by the User, by informing the purpose, limits, and mechanisms of such Data Utilization to the relevant User prior to obtaining the required consent.

04

Lenders who do not yet have sufficient knowledge and experience regarding this co-funding service are advised not to use this co-funding service.

05

Before using this service, Borrowers must consider the loan interest rate as well as other associated fees in accordance with their ability to repay the loan.

06

Any fraudulent acts are digitally recorded in cyberspace, may become known to the wider public on social media, and can serve as valid legal evidence according to laws and regulations concerning electronic information and transactions in dispute resolution and law enforcement processes.

07

Members of the public using this service must read and understand all information regarding this service before deciding to become a Lender or Borrower. A User's decision to utilize this Service constitutes proof and acknowledgment of understanding such information.

08

The Government, in this case the Financial Services Authority, is not responsible for any violations or non-compliance committed by Users, whether Lenders or Borrowers (due to intentional wrongdoing or negligence), against statutory regulations or agreements between the Provider and the Lender and/or Borrower.

09

Users agree that borrower credit records will be reported periodically to the Financial Services Authority and/or the Joint Funding Fintech Association (AFPI) for the purposes of the Fintech Lending Data Center (Fintech Data Center), which will be shared among providers, national banking industry actors, and other financial industry participants.

10

Every borrowing and lending transaction, activity, or execution of an agreement between or involving the Provider, Lenders, and/or Borrowers must be conducted through escrow accounts and virtual accounts as mandated under Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI), and any violation or non-compliance with these provisions constitutes evidence of unlawful acts committed by the Provider, such that the Provider shall be obligated to indemnify any losses suffered by respective Users as a direct consequence of the aforementioned unlawful acts without prejudice to the rights of the injured Users under the Civil Code.

Attention: Financing Risk

This information technology-based financing service involves risks. Make sure you read and understand the terms and conditions before making a financial decision.

Learn Our Technology & Risk