Modalku (Funding Application)

Important Notice:
This app is intended for you, who want to lend money and diversify your portfolio.
If you are an MSME seeking business financing, you can apply loans via our website at modalku.co.id/pinjaman-online

Modalku is MSME digital financing platform where we connect Lenders who seek to lend their money to products suiting to their preference, and Borrowers, seeking for business financing. Modalku Group is licensed and currently operates in 4 countries: Indonesia, Singapore, Malaysia, and Thailand.

Start your lending with Modalku and experience our App highlights:
1. Easy & Affordable
Funding from IDR 100,000 with various tenors (3-24 months) and attractive interest rates from 8%-24% p.a.
2. Special Features
- Feature Planned Funding to automate your lending allocation at your desired loan type, interest rate, tenor, and amount
- Feature Max Borrower Exposure to help mitigate risk
- Feature Exhaust Balance to optimize your balance deployment
3. Safe
We are officially licensed and supervised by Indonesia Financial Services Authority (OJK) since 2019 and passed ISO 27001 certification.

Repayment return simulation:
Principal: Rp 10,000,000
Tenor: 12 month
Interest rate: 12% p.a
Service fee: 3% p.a
Total Capital with Gross return: Rp 10,000,000 * (1+12%) = Rp 11,200,000
Gross monthly repayment: Rp 11,200,000 / 12 = Rp 933,333
Service fee deduction: Rp 2,333
Net monthly repayment: Rp 931,000


Together with Modalku, we can improve the Indonesian economy through funding for MSMEs as the backbone of our country.


For any queries, you can reach us at
Email: [email protected]
Instagram: @pendanamodalku
Website: modalku.co.id