{"id":11744,"date":"2023-07-14T19:47:58","date_gmt":"2023-07-14T12:47:58","guid":{"rendered":"https:\/\/www.paper.id\/blog\/?p=11744"},"modified":"2025-09-29T16:54:04","modified_gmt":"2025-09-29T09:54:04","slug":"mengapa-umkm-membutuhkan-invoice-financing","status":"publish","type":"post","link":"https:\/\/www.paper.id\/blog\/pendanaan\/mengapa-umkm-membutuhkan-invoice-financing\/","title":{"rendered":"Mengapa UMKM Membutuhkan Invoice Financing?"},"content":{"rendered":"\n<p>Seorang pebisnis tidak selalu menerima pembayaran barang ataupun jasanya secara tunai. Apalagi jika pelanggan kamu adalah pelaku bisnis atau institusi yang punya sistem keuangan yang teratur. Banyak dari mereka yang membayar setelah 30 hari kerja atau bahkan lebih&nbsp;&nbsp;<\/p>\n\n\n\n<p>Bagi pengusaha, khususnya UMKM (Usaha Mikro Kecil dan Menengah) masa tunggu 30 hari tersebut kerap jadi kendala, karena dapat mengganggu bisnis kamu. Lantas, bagaimana cara mengatasinya?<\/p>\n\n\n\n<p>Salah satu cara jitu untuk mengatasi masalah ini adalah dengan Invoice Financing.\u00a0<strong><a href=\"https:\/\/www.paper.id\/blog\/smb\/invoice-financing-indonesia\/\">Apa itu Invoice Financing?<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Apa_itu_Invoice_Financing\"><\/span><strong>Apa itu Invoice Financing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Invoice financing&nbsp;<\/strong>adalah solusi kredit usaha dimana peminjam menggunakan invoice yang belum terbayar sebagai dokumen utama dalam aplikasi pendanaan pinjaman. Nantinya setelah pelanggan atau klien membayar invoice, penerima dana dapat melunasi pendanaannya ke penyedia jasa Invoice financing. Jangka waktu pembayaran invoice financing berkisar antara 15-90 hari kerja, sesuai pembayaran invoice pada umumnya.&nbsp;<\/p>\n\n\n\n<p><strong><em>Baca juga:<\/em><a href=\"https:\/\/blog.modalku.co.id\/learning-center\/pinjaman-bisnis-umkm\/invoice-financing\/?utm_source=paperid&amp;utm_campaign=blog&amp;utm_term=july_2023\">&nbsp;Invoice Financing untuk Bisnis kamu<\/a><\/strong><\/p>\n\n\n<div style=\"text-align: center; background: linear-gradient(118.66deg, #257AB4 -3.43%, #206A9C 8.08%, #0F3449 36.22%, #0B2835 51.36%); color: #fff; margin-top: 20px; padding-inline:10px; padding-block:1em\" class=\"iframe\">\n<h2><span class=\"ez-toc-section\" id=\"Coba_Buat_Invoice_Gratis_Tanpa_Daftar\"><\/span>Coba Buat Invoice Gratis Tanpa Daftar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hanya 5 Menit &#038; Mudah<\/p>\n<style>\n       .errordiv { padding:10px; margin:10px; border: 1px solid #555555;color: #000000;background-color: #f8f8f8; width:500px; }#advanced_iframe {visibility:visible;opacity:1;vertical-align:top;}.ai-info-bottom-iframe { position: fixed; z-index: 10000; bottom:0; left: 0; margin: 0px; text-align: center; width: 100%; background-color: #ff9999; padding-left: 5px;padding-bottom: 5px; border-top: 1px solid #aaa } a.ai-bold {font-weight: bold;}#ai-layer-div-advanced_iframe p {height:100%;margin:0;padding:0}<\/style><script type=\"text\/javascript\">var ai_iframe_width_advanced_iframe = 0;var ai_iframe_height_advanced_iframe = 0;function aiReceiveMessageadvanced_iframe(event) {  aiProcessMessage(event,\"advanced_iframe\", \"true\");}if (window.addEventListener) {  window.addEventListener(\"message\", aiReceiveMessageadvanced_iframe);} else if (el.attachEvent)  {  el.attachEvent(\"message\", aiReceiveMessageadvanced_iframe);}var aiIsIe8=false;var aiOnloadScrollTop=\"true\";var aiShowDebug=false;\n\t\tif (typeof aiReadyCallbacks === 'undefined') {\n\t\t\tvar aiReadyCallbacks = [];\n\t\t} else if (!(aiReadyCallbacks instanceof Array)) {\n\t\t\tvar aiReadyCallbacks = [];\n\t\t}    function aiShowIframeId(id_iframe) { jQuery(\"#\"+id_iframe).css(\"visibility\", \"visible\");    }    function aiResizeIframeHeight(height) { aiResizeIframeHeight(height,advanced_iframe); }    function aiResizeIframeHeightId(height,width,id) {aiResizeIframeHeightById(id,height);}<\/script><iframe id=\"advanced_iframe\"  name=\"advanced_iframe\"  src=\"https:\/\/www.paper.id\/invoice-penjualan-demo-blog.php?utm_source=blog&#038;utm_medium=organic&#038;utm_campaign=demo_invoice_penjualan\"  width=\"100%\"  height=\"500\"  scrolling=\"auto\"  frameborder=\"0\"  border=\"0\"  allowtransparency=\"true\"  loading=\"lazy\"  style=\"margin-bottom: 20px;;width:100%;height:500px;\" ><\/iframe><script type=\"text\/javascript\">var ifrm_advanced_iframe = document.getElementById(\"advanced_iframe\");var hiddenTabsDoneadvanced_iframe = false;\nfunction resizeCallbackadvanced_iframe() {}<\/script><script type=\"text\/javascript\"><\/script><p style=\"display:block !important; visibility:visible !important;margin: -28px 20px 0 0;padding-left: 5px;padding-top:5px;background: white; overflow: hidden; position: relative; line-height:15px;\"><small style=\"display:block !important;visibility:visible !important\">The maximum number of views of this element is reached.<br>Please contact the webmaster to enable unlimited views.<\/small><\/p><\/div>\n<style>\n@media only screen and (max-width: 437px) {\n  .iframe {\n    width: 118%; margin-left: -25px;\n  }\n}\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mengapa_kamu_Membutuhkan_Invoice_Financing\"><\/span><strong>Mengapa kamu Membutuhkan Invoice Financing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ada beberapa alasan mengapa kamu memerlukan&nbsp;<strong>invoice financing<\/strong>. Berikut ini beberapa di antaranya:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Permintaan_Stok_Barang_Mendesak\"><\/span><strong>Permintaan Stok Barang Mendesak<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bagi bisnis yang berfokus pada perdagangan ataupun retail, stok barang punya peran yang sangat krusial. Saat baru mulai membangun bisnis, stok barang terbatas bukan masalah besar karena pelanggan juga masih sedikit. Namun saat pelanggan mulai membludak, stok barang adalah sesuatu yang wajib kamu jaga. Jika stok barang sampai telat, pelanggan akan kabur.<\/p>\n\n\n\n<p>Selain harga, kecepatan pelayanan dan ketersediaan barang adalah faktor penentu pelanggan dalam mengambil keputusan. Nah, untuk memastikan stok barang selalu ada, kamu&nbsp; menggunakan invoice financing. Dengan dana dari<strong>&nbsp;invoice financing<\/strong>, kamu dapat memastikan stok barang selalu terjaga dan pelanggan pun terlayani. Mereka akan kembali lagi dan lagi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mengembangkan_Bisnis\"><\/span><strong>Mengembangkan Bisnis&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tentu kamu tidak ingin bisnis kamu jalan di tempat dong! Perlu ada pengembangan, mulai dari menambah produk baru, meningkatkan jumlah pelanggan, hingga meningkatkan pendapatan. Masalahnya, semua aktivitas tersebut membutuhkan<em>&nbsp;budget<\/em>. kamu bisa saja menyisihkan sebagian dari keuntungan, tapi hasilnya akan lama dan tidak signifikan. kamu perlu tambahan modal untuk semua aktivitas pengembangan bisnis.&nbsp;<\/p>\n\n\n\n<p>Dengan dokumen invoice yang kamu miliki, kamu dapat mengajukan kredit usaha berupa Invoice Financing. Tenornya singkat, mudah dan kamu dapat membayar saat invoice tersebut dibayar oleh pelanggan kamu. Sebuah inovasi dana cepat untuk pengembangan bisnis! Cocok untuk kamu!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Promosi_Lebih_Luas\"><\/span><strong>Promosi Lebih Luas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sebagus apapun produk kamu, jika tak banyak orang yang tahu maka penjualan produk kamu maka penjualan pun tidak akan maksimal. kamu perlu melakukan promosi! Kabarkan keunggulan produk kamu secara offline maupun online. Jangan khawatir soal biayanya! Gunakan fasilitas Invoice Financing agar arus kas kamu tidak terganggu.&nbsp;<\/p>\n\n\n\n<p>Kredit usaha Invoice Financing akan segera lunas setelah pelanggan kamu membayar invoicenya. Jadi, tidak akan mengganggu arus kas bisnis kamu. Sangat berguna, bukan? Bisnis kamu makin dikenal luas karena promosi, namun&nbsp;<em>budget&nbsp;<\/em>tetap aman.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Menjaga_Arus_Kas\"><\/span><strong>Menjaga Arus Kas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dengan menggunakan Invoice Financing, berbagai kebutuhan bisnis kamu baik yang harian maupun&nbsp;<em>ad hoc&nbsp;<\/em>(dadakan) akan tercukupi tanpa mengganggu arus kas. Sebagai indikator kesehatan perusahaan, arus kas harus tetap positif sehingga reputasi kamu tetap terjaga baik di mata pelanggan maupun di mata investor.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Solusi_Invoice_Financing\"><\/span><strong>Solusi Invoice Financing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai wujud komitmen dalam memberdayakan UMKM di Indonesia, Invoice Financing dilahirkan untuk memenuhi berbagai kebutuhan UMKM pada kredit modal usaha. Invoice Financing akan membantu kamu mengembangkan bisnis dengan lebih cepat dan mudah. Apapun kebutuhan bisnis kamu, penuhi dengan Invoice Financing!&nbsp;<a href=\"https:\/\/modalku.co.id\/borrow\/sme-loan?utm_source=paperid&amp;utm_campaign=sme&amp;utm_term=july_2023\"><strong>Klik di sini&nbsp;<\/strong><\/a>untuk pelajari produknya!<\/p>\n\n\n\n<p><em>Artikel ini merupakan hasil kerjasama antara Paper Id dan Modalku<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Seorang pebisnis tidak selalu menerima pembayaran barang ataupun jasanya secara tunai. Apalagi jika pelanggan kamu adalah pelaku bisnis atau institusi yang punya sistem keuangan yang teratur. Banyak dari mereka yang membayar setelah 30 hari kerja atau bahkan lebih&nbsp;&nbsp; Bagi pengusaha, khususnya UMKM (Usaha Mikro Kecil dan Menengah) masa tunggu 30 hari tersebut kerap jadi kendala, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":11747,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7856],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mengapa UMKM Membutuhkan Invoice Financing?<\/title>\n<meta name=\"description\" content=\"Mengapa membutuhkan invoice financing? 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