WHY LOAN IN MODAL TEMAN? COMPETITIVE Competitive interest rates in accordance with the assessment of the credit risk level of each business actor and the funding rate of up to 90%. FAST AND TRANSPARENT With the Fintech system and national reach, the loan process is much faster, more practical and transparent than the conventional process. REFERRAL PROGRAM By bringing lenders to join the funding program, borrowers can reduce borrowing costs with referral commissions. MAIN REQUIREMENTS TO BECOME A BORROWING CUSTOMER LOAN APPLICATION PROCESS