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Welcome to Integra Finance, your trusted partner for finding the best financial solutions.

In the midst of a continuously evolving economy, we are here as a trusted partner to guide you through every step of financial planning. We are a solution that functions as a strategic partner ready to tackle challenges and design smart solutions to achieve your financial goals.

Discover comprehensive and reliable solutions tailored to your needs. Our goal is to help clients manage their finances more securely, efficiently, and effectively. We offer a range of consulting services that guide you through various aspects of banking and/or non-bank financing to achieve sustainable financial success. With our team's experience, we are ready to assist you in various aspects of finance.

OUR SERVICES

Working Capital Financing

Working capital is a primary requirement for companies to conduct business activities. One of the main alternative sources of capital is through banking institutions in the form of working capital credit facilities. The current complex and dynamic world economic development has led various banking institutions to have their own internal policies in providing credit facilities to potential debtors. The main criteria for financing are based on the first way out criteria and second way out criteria through the principles of good corporate governance, good financial ratios, good security collateral ratios, economic sustainability, and the ESG (Environmental, Social, and Governance) 3-pillar principle. In addition, various types of banking facilities have different features such as overdraft, demand loan, passive KMK, revolving loan, clean-up period, and others, all of which have purposes and objectives in line with the prospective debtor's business model. If the credit facilities provided do not align with the prospective debtor's business model, it can result in inefficiency and ineffectiveness of the received credit facilities, inevitably leading to bad debt. We assist clients both domestically and internationally in understanding and finding the best solutions to secure banking institutions that align with their business nature. Our core focus lies in the structure of credit facilities, credit ceiling amounts, credit costs, and strategies to minimize the risk of bad debt in the future. Consult with us now

Investment Financing

Investment financing is one of the supporting factors for the development of a company's business. Various assets can be the objects of investment financing, such as the purchase of warehouses, shop-houses, houses, apartments, heavy machinery, and other similar assets. Banks categorize investment financing into two criteria: business-focused investment financing (examples: purchasing vacant land (specifically for developers), warehouses, shop-houses, heavy machinery, trucks, villas, rental houses, machines) and non-business-focused investment financing (examples: personal cars, residential homes). The application for investment financing facilities needs to be aligned with these criteria to avoid automatic rejection. We assist clients both domestically and internationally in understanding and finding the best solutions to secure banking institutions that align with their needs. Our core focus lies in the credit ceiling amount, credit costs, and strategies to minimize the risk of bad debt in the future. Consult with us now:

Distributor FInancing

Distributor financing, also known as supply chain financing, is a form of financing focused on supporting the supply chain or distribution of a business with the following benefits: For the Anchor (Supplier): 1. Enjoying the certainty of timely payments as predetermined. 2. Transferring billing and administrative functions to the SCF module. 3. Utilizing features for controlling and monitoring SCF transactions, including downloading reports informing the status of each transaction. For the Distributor: 1. Faster credit processes. 2. Enjoying payment flexibility. 3. Benefit from additional payment terms with credit facilities provided by banks. 4. Enjoying lighter guarantees. This facility becomes an option for companies with limited collateral assets. Distributor financing requires minimal collateral value that aligns with the credit ceiling, but banks have their own criteria, ranging from grading A to D, to determine the amount or value of collateral covering the provided credit facilities. Failure to meet these criteria may result in the debtor being required to provide collateral equal to the credit ceiling, rendering the financing facility for the distributor ineffective. We assist clients both domestically and internationally in understanding and finding the best solutions to secure banking institutions that are effective in providing financing terms for distributor clients. Our core focus lies in collateral value, credit ceiling amount, credit costs, and strategies to minimize the risk of bad debt in the future. Consult with us now:

Trade Financing

Export-import financing is one type of financing that focuses on businesses engaged in export and import activities. This financing is more complex than conventional working capital financing in general. Export-import financing involves structured credit facilities and complex documentation requirements, specifically designed to support international trade activities. It offers benefits such as security in international transactions, high-profit potential, and effective monitoring. We will assist clients in: 1. Understanding international trade policies, payment instruments, and international financing, such as letters of credit, documents against payment/acceptance, document collection, invoice financing, pre/post-export financing, hedging facilities, and more. 2. Preparing the banking requirements for clients engaged in export/import activities. 3. Obtaining favorable exchange rates. 4. Assisting in transaction reporting on Simodis (a platform for monitoring international trade transactions).

Initial Public Offering

Initial Public Offering (IPO) serves as a means to access funding through the capital market, with various corporate actions that can be undertaken. We provide personalized guidance to our clients: 1. IPO Preparation: Assisting in the formation of an internal IPO team, providing basic explanations, appointing a professional team, and preparing the client's internal documents. 2. Analysis and Evaluation: Assisting in the analysis of overall conditions, performance, assets, growth potential, and risks. 3. Prospectus Document Preparation: Assisting clients in preparing documents for the IPO process, such as financial reports, prospectuses, and agreements that comply with IPO document standards. 4. Underwriter: Assisting clients in securing an experienced underwriter in the IPO process, which is crucial in determining stock offering prices and marketing shares. 5. Regulation: Assisting clients in meeting all regulatory requirements and compliance in the necessary reporting before and after the IPO. 6. Communication and Publicity: Assisting clients in managing public communication to investors, media, and other stakeholders, ensuring that the message resonates with the public in line with the company's values and potential. 7. Post-IPO and Reporting: Assisting clients after the IPO in fulfilling financial reporting obligations and communicating with shareholders. Also, providing strategies for financial and capital management.

Direct Investment

Direct Investment is a means of investing directly in a private company. We will assist in obtaining references to private companies that offer opportunities for investors looking to inject capital. We will conduct due diligence on various sectors of the referenced companies through competent Legal Offices, Public Accounting Offices, and Public Appraisal Service Offices. This process ensures that investors can feel secure in their investment decisions.

Loan restructuring

Restructuring is a condition in which a company experiences changes in cash flow, necessitating a request for changes to the liability structure with banking institutions. Clients often face various challenges, such as their position as minority debtors compared to banks as creditors. This situation can hinder clients in dealing with banking institutions, especially since restructuring dealings require expertise and commitment in formulating projections for the company's cash flow. If the restructuring proposal offered by the client is not accepted by the banking institution, it may lead to bad debt, and the debtor's collateral may be seized by the bank. We will assist clients in avoiding bad debt with banking institutions through a comprehensive restructuring process. This way, clients can meet their payment obligations in line with the company's cash flow conditions until financial recovery occurs.

Bad Debt Recovery

Bad debt recovery refers to efforts to recover funds from receivables that have been classified as 'bad debt' or 'non-performing receivables.' Clients often face challenges in the collection process, including issues related to time, expertise, and the completeness of data. These challenges can hinder the collection process from running optimally. We will assist in recovering bad debt using solution-oriented techniques to restore the company's cash flow that has been impeded due to non-performing receivables.

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