FLIN - Smart Debt Management

Why FLIN?
✔️ Lower monthly installments with flexible repayment periods from 12 up to 36 months
✔️ Affordable interest rates starting at 3–4% per month on reducing balance (equivalent APR: ~21–31% annually)
✔️ Consolidate all unsecured debts into one simple, transparent payment
✔️ Improve your financial stability with a sustainable repayment plan
✔️ Fully licensed partners and compliant with OJK regulations

Who is FLIN for?
✅ Indonesian citizens (WNI)
✅ Salaried employees with at least 3 years’ work experience
✅ Minimum monthly income: Rp5 million
✅ Minimum unsecured debt: Rp20 million
✅ Residing in Jabodetabek, Bandung, or Surabaya areas

How It Works:
1️⃣ Fill out the consultation form in the app or website
2️⃣ Submit your required documents (KTP, payslips, bank statements, SPT)
3️⃣ Get your In-Principal Approval (IPA) within 2–3 business days
4️⃣ Pay the success fee (refundable if disbursement fails)
5️⃣ Start your new, manageable monthly payment plan

Fees & Rates (Full Transparency):
💰 Success Fee: 5% of the approved bailout amount, paid upfront after receiving IPA. Fully refundable if our licensed lending partner does not disburse the funds.
💰 Lending Partner Interest: 3–4% per month on a reducing balance (equivalent APR: ~21–31% annually).
💰 Administrative Fee: Up to ~5% from the disbursed funds (charged by the lending partner).

Example installment:
• Dana Talangan Rp25,000,000 → Rp1.6M/month (24 months) or Rp1.3M/month (36 months)
• Dana Talangan Rp100,000,000 → Rp6.2M/month (24 months) or Rp4.9M/month (36 months)

This example includes principal + interest only. Administrative fees (up to 5%) may apply at disbursement.

Funding Range: Rp20M–Rp500M, depending on eligibility and approval.
Minimum and maximum period for repayment: 12 months up to 36 months

Legal & Accreditation:
✅ FLIN is registered with KOMINFO: TDPSE No. 017446.01/DJAI.PSE/03/2025
✅ We work exclusively with OJK-licensed partners, such as PT Digital Micro Indonesia (Danabijak), licensed under OJK Decree No. KEP-92/D.05/2021.
📌 For more on OJK supervision: www.ojk.go.id

Disclaimer:
• FLIN (PT FLIN Consultancy Indonesia) is a financial consulting platform offering debt management services such as restructuring, consolidation, and settlement of unsecured debts.
• We are not a financial institution, do not raise public funds, and do not offer direct loans or investments.
• All funding activities are facilitated through licensed banks, multi-finance institutions, and OJK-approved P2P lenders.
• We help clients settle and restructure their debts owed to banks, financial institutions, and creditors in a way that is affordable and sustainable.
• We do not provide new loans for consumption or investment purposes.

Contact Us:
🏢 Menara Sun Life, 15th Floor, Mega Kuningan, Jakarta 12950
📧 care@flin.co.id
🌐 www.flin.co.id
📲 WhatsApp: +62 818 0774 2222

Follow us:
• Facebook: FLIN
• Instagram: @flin.care
• YouTube: FLIN_CARE
• LinkedIn: FLIN
• TikTok: flin.care

👉 Start your journey to financial freedom today. #AturUlangHidupmu
Live life fully, debt-free truly — with FLIN.