Business Personal Loan

Working capital credit for customer who don’t have additional collateral

Multipurpose Loan

Meeting Various Needs

Not only for venture capital, but it could also be used for investments, business development, various business costs and obligations, etc

Competitive Rates

Lower fixed interest rates for certain period of time

Flexible and Easy

Longer term making the instalments more affordable

Kredit Usaha Rakyat

Excellence The Advantage Get to Know the Product Important Information Fee, Limits and Interest Rate Get the service

Interest Rate 6% p.a from Government

Interest calculation every year

Entrepreneurs with small scale and middle scale business can apply for loans easily

KUR Mikro, KUR Kecil

KUR Super Mikro:
Rp 10.000.000

KUR Mikro:
> Rp 10.000.000 - Rp 50.000.000

KUR Kecil:
> Rp 50.000.000 - Rp 500.000.000


Important Information

Types of People's Business Credit (KUR)


KUR Super Mikro dan KUR Mikro:

  • Working Capital Credit: 3 Years, Investment Credit: 5 Years
  • Appraisal Cost and Collateral Binding, Notariil: none

KUR Kecil dan KUR Khusus:

  • Working Capital Credit: 4 Years, Investment Credit: 5 Years
  • Appraisal Cost and Collateral Binding, Notariil: in accordance with applicable regulations

Types of Eligible Collateral


  • Vacant Land / Land and Building
  • Kiosks/shops
  • Motor vehicles
  • Inventory *)
  • Machinery *)

*) As additional collateral


Credit Limits

Facility Credit Limit
Super Micro Credit Rp10.000.000
Micro Credit Rp10.000.000 - Rp50.000.000
Small Credit Rp50.000.000 - Rp500.000.000

Note : A penalty may be imposed according to the application provisions

Get The Service

BCA branch office
Find nearby BCA branch office location to get the service or product directly
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Register business personal loan based on your business location