Productive B2B Funding
Sanders Invoice Financing: B2B Working Capital Solution
Optimize your B2B supplier cash flow by liquidating outstanding invoice accounts receivable from leading corporate Payors.
Disbursement Limit
Up to 80%
Loan Type
Productive B2B
Collateral
Outstanding Invoice
Business Ecosystem Financing Mechanism
See how Sanders securely bridges your working capital with Payor payment capacity
Penyerahan Barang & Invoice
Deliver products or services to the Payor, then submit the outstanding invoice to Sanders.
Verifikasi & Pencairan Awal
Sanders assesses risk and immediately disburses up to 80% of the invoice value to your account.
Pelunasan Jatuh Tempo
Upon invoice maturity, the Payor settles the 100% payment directly to Sanders escrow.
Invoice Financing Calculator
Estimate your upfront B2B cash advance and transparent fees in real-time.
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Simple Steps to Secure Invoice Financing
Accelerate your cash flow in five simple steps, from invoice upload to final maturity settlement.
Upload Invoice & Contract
Submit your outstanding invoices along with proof of delivery or work contract directly through the Sanders dashboard.
Verification & Credit Assessment
Sanders performs a fast, secure validation of the invoice validity and checks the credit rating of your corporate Payor.
Upfront Cash Advance (Up to 80%)
Receive up to 80% of the invoice face value in your business bank account within 2 working days after approval.
Payor Invoice Settlement
At maturity, the Payor pays the total invoice value directly into the designated Sanders escrow account.
Refund of Remaining Reserve (20%)
Sanders returns the remaining 20% reserve fund directly to you, minus the transparent platform service fees.
Sanders B2B Advantage
Maintain Healthy Cash Flow, Accelerate Business Growth
Convert your outstanding B2B accounts receivable into immediate working capital. Sanders Invoice Financing helps suppliers bridge payment gaps and secure ongoing operations without requiring fixed asset collateral.
Disbursement up to 80% of Invoice Value
Direct Payment from Partner Payor
Helps Growth of Productive Business Scale
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).
OJK DisclosureThis 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.
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.
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.
Lenders who do not yet have sufficient knowledge and experience regarding this co-funding service are advised not to use this co-funding service.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Lenders who do not yet have sufficient knowledge and experience regarding this co-funding service are advised not to use this co-funding service.
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.
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.
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.