Frequently Asked Questions

What is Kredit Hero?

Kredit Hero, Inc. is an AI credit marketplace dedicated to helping small and medium-sized businesses access funding quickly and efficiently. Our platform connects SMEs with trusted lenders, making the loan application process seamless through advanced technology.

When you apply through Kredit Hero, you get end-to-end, white-glove support that makes accessing business capital faster and easier. We don’t just process your application, we strategize and negotiate on your behalf to help you secure the most competitive loan terms tailored to your business needs.

Is Kredit Hero a lender?

Do I have to pay fees to Kredit Hero? Does Kredit Hero charge me?

Yes, Kredit Hero has a borrower fee of 3% that is only charged after your loan is successfully approved and released.
This fee covers our white-glove service: from connecting you with multiple lenders and using AI to accelerate your application assessment, helping lenders make faster decisions, to assisting with documentation and negotiating the best possible loan terms for you.

You can also cut your service fee in half (only 1.5%) through our Fee Saver Program by referring 5 qualified SMEs to Kredit Hero. To qualify, your referrals must be new to Kredit Hero and able to submit the basic business requirements for financing eligibility, such as:

– At least 1 full financial year of AFS and ITR
– Minimum of 6 months of bank statements
– Business Registration (e.g. GIS or DTI)
– Business Permit

Can I refer a business to Kredit Hero?

What are the requirements to apply for an SME loan?

Can I apply if my business is not yet registered?

Do I need a guarantor or co-maker?

Do I need collateral to apply?

Are there specific requirements for first-time borrowers?

What is the process of the application?

Simply submit your loan application on our platform. We’ll process it and match your request with lenders most likely to approve it. You may receive multiple offers to choose from. Once you’ve decided on the best option, we’ll connect you directly with the lender for final paperwork and fund disbursement.

And don’t worry, you’ll have a dedicated account manager to guide you every step of the way.

What is K-Score?

K-Score is Kredit Hero’s proprietary credit scoring model designed to assess the creditworthiness of SMEs with precision and efficiency. Powered by advanced AI and data analytics, K-Score analyzes a business’s financial health, history, and risk profile to deliver an accurate, real-time credit score.

This helps lenders make faster, more informed decisions while giving SMEs a fair chance at securing the right loan for their growth.

Can I reapply if I don’t get approved?

Where is your office located?

Apply to multiple lenders with a single application. Save time, compare offers, and find the right loan to grow your business, all on one simple platform.

Apply Now