Working Capital Loan

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Working Capital Credit" is a type of financing aimed at funding productive activities, where the repayment of this credit facility is expected to come from the profits earned. Essentially, the credit repayment will not disrupt the business itself.

 

Requirements:

1. Fill out the credit application form.
2. Complete a letter of willingness to conduct debtor information search (SLIK).
3. Provide the following documents:
    1. Photocopy of Personal ID (KTP).
    2. Photocopy of Spouse (if married).
    3. Photocopy of Guarantor (if available).
    4. Photocopy of Family Card (Kartu Keluarga).
    5. Photocopy okf Marriage Certificate (Surat Nikah/Akta Perkawinan) (if married).
    6. Photocopy of Collateral:
        1. Land (Photocopy of Land Certificate - SHM and the latest Tax Payment Receipt - SPPT).
        2. Motor Vehicle (Photocopy of Vehicle Registration Certificate - BPKB, Vehicle License - STNK, and Engine Chassis Scratch - Gosok Mesin Rangka).
    7. Photocopy of Business License (SIUP TDP), Tax Identification Number (NPWP), Business Certificate (Surat Keterangan Usaha) (if available).
    8. Budget Plan (Rencana Anggaran Biaya - RAB).
    9. Photocopy of salary slip or bank account statements from other banks for the last 6 months.
    10. Financial transactions related to the business for the last 3 months.

 

Terms:

1. Loan Term:
    1. Installment: Maximum 60 Months.
    2. Regular: Maximum 12 Months.
    3. Home Mortgage (KPR): Maximum 96 Months.
2. Interest Rate:
    1. Installment:
        1. Sliding (decreasing): 19.8% - 27% per annum.
        2. Annuity: 19.8% - 27% per annum.
        3. Flat: 13.20% per annum.
    2. Regular: 24.00% – 30.00% per annum.
    3. Back to Back:
        1. Nusamba Savings & Deposits: +5 from the interest rate.
        2. Super Plus Deposit: +10 from the interest rate.
3. Administrative fees and credit provisions according to the Bank's regulations.
4. Collateral: BPKB (vehicle ownership certificate), SHM (land certificate), Savings, and/or Deposits.
5. Debtor's life insurance and Tabungan Siwana (savings account) are mandatory.
6. Credit attachment and guarantees based on the credit limit.

 

Boost your business with Working Capital Credit from BPR Nusamba Manggis, and turn every opportunity into a step towards success! Click the apply button below.