ABOUT GROWING ECOSYSTEM

Grow Together in an Integrated Funding Ecosystem

Sanders helps companies build a healthy financial ecosystem through productive funding, employee and vendor financing access, and sustainable business collaboration.

OJK Supervised
Transparent System
Verified Ecosystem
WHAT IS A GROWING ECOSYSTEM?

An Integrated & Mutually Supportive Ecosystem

A growing ecosystem is an integrated approach where funding facilities are embedded directly into ongoing business activities. Through this ecosystem, all key actors—Anchor (Partner Company), Supplier (Vendor), Lender, and Partner Member—are connected in a structured network. Funding is channeled to create transaction flow certainty and business stability, fostering sustainable and mutually beneficial growth for all parties.

Integrated Collaboration: Every fund disbursement is directly linked to validated transaction activities.

Structured Supervision: Funds are disbursed and monitored through official managed accounts to ensure transaction certainty.

Real Business Transactions

Funding begins from validated business needs and transactions.

Validated Invoices

Transaction documents become the basis for analysis and productive financing disbursement.

Controlled Risk

Verification, monitoring, and repayment flows are managed digitally and transparently.

All Parties Connected

Anchors, business partners, lenders, and employees are connected in one mutually supportive ecosystem cycle.

Ecosystem Actors

Actors in the Sanders Ecosystem

The Sanders ecosystem brings together anchors (partner companies), suppliers (vendors), lenders, and partner members into a single collaborative financing model. Each actor has interconnected needs, challenges, roles, and benefits to support business activity and more relevant and affordable financial access.

Anchor's business growth requires raw materials and workforce to be supplied by its vendors. Engaging new vendors for materials poses risks for Anchor, so generally, Anchor prefers to source additional supplies from existing vendors. This is because existing vendors have proven their quality and service. However, in meeting this additional demand from Anchor, vendors often face constraints due to limited business capital.

More capable suppliers, better SLA compliance.

  • Suppliers aren't always ready to fulfill orders due to limited funds.
  • SLA or service targets are at risk of disruption.
  • Operations slow down when suppliers are constrained by funding.
  • Business growth depends on the readiness of the supplier network.

Role in Ecosystem

Anchor serves as the business needs hub that drives activity across the ecosystem.

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