"Gradana is the pioneer of property fintech in Southeast Asia. Envisioned to become seamless online property fund in the region, Gradana has built its presence in Indonesia fintech industry with financing products like GraSewa for rent, GraRenov for renovation and GraDP for mortgage down payment. Gradana has also committed to provide services for productive loan through its product called GraKarya, an Invoice Financing product targeted to medium and large enterprises. Compared to its P2P fellows in the market, Gradana offers secured loan with property as collateral. Gradana has secured full license by OJK and Kominfo. Gradana has various property projects across Greater Jakarta (to be funded) worth more than USD 30 million and pre-committed lending pool of over USD 10 million."