Gradana

Gradana, legally known as PT Gradana Teknoruci Indonesia, operates as a property-focused financial technology company in Indonesia, positioning itself as a key player in the proptech sector. The company was founded in 2016 by Angela Oetama and William Susilo Yunior. Their shared background in property development at Sinar Mas Land provided them with deep insights into the real estate market's challenges, particularly the hurdles faced by millennials in securing property financing. This experience directly informed Gradana's mission to make property ownership and investment more accessible.

The company's business model is centered around a peer-to-peer (P2P) lending platform that connects borrowers seeking property-related financing with individual and institutional investors. This platform facilitates a range of financial products designed to address specific needs within the property lifecycle. These include 'GraDP' for mortgage down payments, 'GraSewa' for rental bridging loans that allow tenants to make monthly payments instead of large upfront sums, and 'GraRenov' for financing home renovations. Expanding beyond individual consumer needs, Gradana also offers 'GraKarya', an invoice financing product for small to medium-sized enterprises (SMEs) and vendors operating within the property sector. A key characteristic of Gradana's loan offerings is that they are secured with property as collateral, which helps to mitigate risk for its lenders.

Gradana's journey includes several significant milestones. The company was officially registered with Indonesia's Financial Services Authority (OJK) in December 2017. It later achieved fully licensed status from the OJK in August 2021, a crucial step that demonstrates compliance with regulatory standards for operations, business conduct, and technology. In May 2019, Gradana secured an undisclosed amount in a Pre-Series A funding round led by tryb Group, a Singapore-based investment firm, to fuel product expansion. The platform brings together an ecosystem of developers, agents, investors, and banks to address the gap between high housing demand and low mortgage penetration in Indonesia.

Keywords: property fintech, P2P lending, real estate financing, mortgage down payment, rental financing, renovation loans, invoice financing, proptech, secured lending, Indonesian fintech, property investment, real estate investment, Angela Oetama, William Susilo Yunior, OJK licensed, property technology, Southeast Asia fintech, SME financing, financial services, digital mortgage