Akseleran

Akseleran operates as a peer-to-peer (P2P) lending platform in Indonesia, connecting small and medium-sized enterprises (SMEs) seeking capital with individual and institutional lenders. The company is licensed and monitored by the Indonesian Financial Services Authority (OJK). Its business model focuses on providing productive loans, such as invoice and pre-invoice financing, to the underserved SME market. Revenue is generated through fees charged to borrowers, which in its early days included an admin and consultancy fee. For lenders, Akseleran offers an alternative investment opportunity with advertised returns of 9.5% to 10.5% per year, and investments can start from as low as IDR 100,000.

The company was founded in 2017 by Ivan Nikolas Tambunan, Mikhail Tambunan, and Christopher Gultom. Ivan Tambunan, the Group CEO, is a lawyer-turned-entrepreneur with a background in transactional banking law at firms like Allen & Overy. His master's thesis on crowdfunding was a key inspiration for starting the company. Co-founder Mikhail Tambunan serves as the CFO, bringing experience as an auditor from Deloitte and PKF Hadiwinata. Christopher Gultom, another co-founder who has served as Director and Chief Investment Officer, has a background as a consultant with Arghajata Consulting and AJCapital Advisory. The founding team left their corporate careers, driven by a desire to address the funding gap for SMEs in Indonesia and promote financial inclusion.

Akseleran initially launched as an equity crowdfunding platform in March 2017 but pivoted to P2P lending a few months later after finding the initial business model did not gain sufficient market traction. The company secured pre-Series A funding of $2.5 million in February 2019 and later announced an $8.55 million Series A round in January 2020, led by BeeNext, with participation from investors including Central Capital Ventura (BCA's venture arm) and Agaeti Venture Capital. By December 2022, Akseleran had disbursed nearly Rp 7 trillion in loans. The company planned an IPO in 2023 to raise up to Rp 359 billion but later postponed it due to market conditions, which was followed by employee layoffs. In early 2025, Akseleran faced a significant challenge with simultaneous defaults from six corporate borrowers totaling approximately Rp 178 billion, leading to a spike in its non-performing loan ratio and a halt in new lending to focus on recovery efforts.

Keywords: P2P lending Indonesia, SME financing, financial technology, fintech, loan platform, invoice financing, peer-to-peer lending, alternative investment, productive loans, OJK licensed, Akseleran Keuangan Inklusif, Ivan Nikolas Tambunan, Mikhail Tambunan, Christopher Gultom, Indonesian startup, business loans, crowdlending, investment platform, SME credit, digital lending, capital access