Working Capital Financing Solution

Solutions provided to customers requiring additional capital to finance business turnover (accounts receivable, inventory, and accounts payable)
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Solutions for your business that require liquid financing. Where the withdrawal and settlement can be made at any time during the term of the credit facility through a checking account.

Benefits The use of flexible credits
What you need to know Credit period is 1 year and can be extended
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Solutions for your business that require seasonal financing. Where withdrawals can be done gradually or simultaneously.

Benefits Use of credit and regular installment payments
What you need to know Time Loan consists of Time Loan Revolving, credit term of 1 year and can be extended and Incidental Time Loan, credit period of 6 months and cannot be extended
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Solutions for your business that require liquid financing. Where the withdrawal can be done at once or gradually, and repayment is done by installments.

Benefits Regular installment payments
What you need to know The loan period is 3-5 years
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Solutions for exporters or suppliers requiring financing of production, collection, and preparation of goods in the framework of export. Where withdrawal using SPPFK and completed with export documents.

Benefits Use of credit and regular installment payments
What you need to know Credit period is 1 year and can be extended
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Solutions for your business that require the settlement of Letter of Credit (L/C) or Domestic Certified Letters (SKBDN) issued by BCA for inventory financing.

Benefits Use of credit and regular installment payments
What you need to know Credit period is 1 year and can be extended
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Solutions for those of you who need financing more than one credit facility as per business requirements.

Benefits Credit ceiling flexibility among facilities
What you need to know Credit period is 1 year and can be extended

Investment Financing Solution

Solutions for customers who need additional capital to finance business investment
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Solutions for your business that require rehabilitation, modernization, and expansion of productive enterprises including the purchase of land, buildings, machinery, and vehicles.

Benefits Financing gradually as needed
What you need to know Credit period up to 20 years*

Specific Scheme Credits Financing Solution

Solutions for customers who need additional capital for certain/exclusive financing (Requirements: principal/developer has been working with BCA *)
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Financing solution for non-residential commercial property (warehouse, office, kiosk) where certificates are still not broken (parent certificate).

Benefits Interest rates and conditions with special condition
What you need to know Credit period up to 20 years*
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The financing solution for purchasing products to distributors from certain Principal.

Benefits Interest rates and conditions with special conditions
What you need to know Credit period is 1 year and can be extended
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Financing solution for suppliers who sell to certain Principal.

Benefits Interest rates and conditions with special conditions*
What you need to know Credit period is 1 year and can be extended
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Financing solution for franchisees who want to invest in certain franchisors.

Benefits Interest rates and conditions with special conditions*
What you need to know Credit period up to 5 years
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A financing solution for dealers who will make purchases/payments of products to a particular dealer

Benefits Interest rates and conditions with special conditions*
What you need to know Credit period is 1 year and can be extended

Other Credit Solution

Solutions for customers who need credit financing for operational vehicles and other company operational transactions
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A financing solution for your company that requires four-wheeled vehicle financing with vehicle BPKB assurance (operational car purchase, COP, refinancing, etc.).

Benefits Competitive interest rates and fast process
What you need to know Regular period of 1-4 years and Fix & Cap 5 and 6 years
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A financing solution for your company that requires two-wheel motorcycle financing.

Benefits Competitive interest rates and fast process
What you need to know The loan period is 9-36 months

Trade Finance Solution

Solutions for customers who need certainty of payment / guarantee from Bank
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Solution for customers who need a statement from the issuing bank on the purchase request of the goods, where the issuing bank will pay a certain amount of money if the terms in the L/C are met.

Benefits Certainty of payment
What you need to know Consists of export L/C and L/C import
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Solution for customers who need a letter from the issuing bank at the request of the purchase of goods, where the issuing bank will pay a certain amount of money if the conditions in the SKBDN are met (often referred to as local L/C).

Benefits Certainty of payment
What you need to know Consists of incoming SKBDN and out coming SKBDN
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Solution for customers who require a bank statement, in which the Bank will pay to the party receiving the warranty if the guaranteed party injury promise.

Benefits Certainty of payment
What you need to know Bid Bond, Performance Bond, Maintenance Bond, Payment Bond, etc

Forex Line Solution

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Solution for customers who want to have certainty of foreign exchange rate

Benefits Competitive rate and hedging
What you need to know Deal process can be done through branch or TRE (phone). Forex transactions that can be processed TOD, TOM, SPOT, Forward, and SWAP
Notes: *) Terms of Terms Applies