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Products & Services

  • Asset Based Financing

  • Financing Factoring

  • Sharia


Asset Based Financing

Financing facility for the purchase of selective productive assets such as heavy equipment and commercial vehicles as the main collateral, which is provided to meet investment/ working capital needs of Debtor. ABF Radana Finance offers competitive interest rates starting from 15% Eff per annum.


  • Finance Lease


Financing facility in the form of providing goods to be used by the Debtor for a certain period of time, which substantially transfers the benefits and risks of the goods being financed.


  • Instalment Financing


Financing facilities for goods and/or services purchased by the Debtor from a supplier of goods and/or services with using payment in installments.


  • Sale and Leaseback


Financing facility in the form of the sale of asset by the Debtor to Radana Finance including  leaseback of the asset to the  same Debtor.


Benefits :

  • Cashflow efficiency to increase Assets
  • Get additional working capital from assets owned by Product Sales & Lease Back
  • Debtors will benefit from insurance protection from vehicles that are used as collateral.


Risk :

  • Risk of withdrawal of the debtor unit in the event of negligence in terms of making installment payments in accordance with the agreement agreed by Radana Finance and the Debtor
  • Reputation risk is in the form of recording of Financing History in the Financial Information Service System (SLIK) when Consumers are in arrears in payments.
  • The risk of additional costs that arise in the event of delays or things that are not in accordance with the financing agreement in installment payments (collateral execution costs and penalties).

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