UangCermat Fintech-as-a-Service

UangCermat International Pte Ltd is a fintech company founded in 2019, with a Singapore address on its website, that serves underbanked and unbanked workers in Southeast Asia. In Indonesia it offers short-term payroll-linked loans to blue-collar workers in manufacturing and outsourcing, according to a January 2026 news report.

Beyond its own lending it provides fintech infrastructure that lets banks and microfinance institutions digitise payroll-based credit. Listed modules include HRIS and payroll processing, loan origination and servicing, fund disbursal and reconciliation, salesforce reporting and monitoring, and microfinance business management.

• HRIS and payroll processing: employer payroll data feeding credit decisions.
• Loan origination and servicing: application, approval and servicing workflow.
• Fund disbursal and reconciliation: payouts and repayment matching.
• Salesforce reporting and monitoring: field-agent tracking for offline distribution.
• Microfinance business management: tools for microfinance entities.
• Collections: payroll-deduction based repayment workflow for partner lenders.

• Banks or microfinance institutions digitising salary-deduction loans for factory employees.
• Large employers connecting payroll data to partner lenders for worker advances.
• Outsourcing and manufacturing groups reconciling loan repayments with payroll.

• Financial institutions can digitise payroll-linked lending without building their own platform.
• Loan origination, disbursal and reconciliation run in one system.
• Employers and institutions can connect payroll data to credit workflows.
• The company reports serving over 100,000 registered users (press coverage).

Millions of salaried blue-collar workers in Indonesia and the wider region have limited access to formal credit, and payroll-linked lending is one route banks and microfinance institutions use to reach them. Lenders need digital origination and collection tools, and a similar workforce segment exists in Vietnam's factory sector.

Founded 2019. January 2026 financing of USD 26 million: USD 6.4 million Series A co-led by Cocoon Capital, NP Consulting and IFP Securities, plus a USD 20 million structured credit facility from SixPoint Capital (kr-asia report). Website address: 80 Changi Road, Singapore.