• BCA Smartcash Account

    Banking transaction with your distributor stays smooth and your cash flow remains positive

Introducing the Service

As a distributor, you must deal with numerous transactions each day. It is important for you to maintain your cash flow. Smartcash Distributor Financing is the solution for you. Smartcash Distributor Financing is a cash account that can be used as a payment source to distributors for each transaction conducted.

Advantages you will gain:

  • Flexible use and return
  • Free of administration and provision fees
  • Competitive interest rate calculated daily

With Smartcash Distributor Financing, develop your business with various benefits.

3 step easy process!

  • Call your distributor
  • Fill in the application form and complete the necessary documents
  • BCA Smartcash Account is approved & funds are ready to use
You Should Know

In order to enjoy the facilities offered by Smartcash Distributor Financing, the Retailer only needs to fulfill the following requirements:

  • You are an Indonesian Citizen (WNI) living in Indonesia.
  • You are at least 21 years of age and maximum 65 years of age.
  • You have a monthly business turnover of at least Rp 30,000,000 with a business that has been running for at least two years.
  • Surat asli dokumen dari distributor.
  • Complete the necessary documents as follows:

    Necessary Documents Entrepreneur Employee
    Photocopy of ID (KTP)/Passport
    Photocopy of Savings / Giro account from the last 3 months
    Photocopy of License
    Photocopy of Certificate of Incorporation/ SIUP, TDP & NPWP
    Photocopy of most current monthly Credit Card Billing Statement (if available)
  • NPWP is mandatory, if the credit limit agreed upon is = Rp 50 million

You will obtain business ease by only paying the following fees:

Type of Payment Fee*
Yearly Fee
- Credit Limit Rp. 10 million - Rp. 50 million
- Credit Limit Rp. 50 million - Rp. 100 million

Rp 250,000
Rp 500,000
Overlimit Rp 40,000
Minimum Payment 10% from the total monthly billing or minimum Rp 50,000 **
Late Charges 3% or max. Rp 150,000

* BCA reserves the right to alter the above fees with prior notification through any form or means.

Get The Service

The Smartcash Distributor Financing mechanism is very easy for you to follow:

  • The Retailer orders your product as a distributor
  • You only need to send your retailer transaction data to BCA in order to get confirmation
  • You send the goods to the retailer
  • You will receive payment from BCA
  • The Retailer will own a BCA Smartcash account (virtual account) to guarantee that the transaction is only with you, the distributor
  • The Retailer can do payments to BCA at any time, before or after receiving the billing statement (Credit Card account)
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