Meet Various Needs
Not only for working capital but also other business financing
Competitive Interest Rates
Lower fixed interest rates for a certain period
Flexible and Easy
Longer term resulted in more affordable installment
Multipurpose Business Loan
Easy solutions for various busines needs such as working capital, investment in tangible and intangible fixed assets, various business costs and obligations, and other business-related needs.
- Types of Facility
A combination of overdraft loans (Local Credit) and instalment (Investment Loans or Instalment Loans) with a minimum instalment composition of 90%
- Terms
Up to 20 years (Investment Loan) or 15 years (Instalment Loan)
- Withdrawals
Instalment facilities are done gradually or all at once and with/without a grace period, while overdraft loans are made by providing a ceiling on the current account.
- Ceiling
In accordance with the type of assets financed (Investment Loan) and working capital requirements (Local Credit or Instalment Loan) with a minimum application of more than Rp500 million
- Collateral
Land/Building as collateral that is not abandoned and can be tied with mortgage rights
- Over 17 years of age or married
- Indonesian Citizen
- In no violation of law and decency
- Has not been declared bankrupt or in bankruptcy dispute process
- Smooth collectibility
- Indonesian legal/business entity
- Productive Financing
- It is in accordance with the Articles of Association and does not conflict with the law
- Has not been declared bankrupt or in bankruptcy dispute process
- Smooth collectibility
- A copy of KTP
- A copy of NPWP *)
- A copy of Family Card
- A copy of Spouse’s ID Card
- A copy of Marriage Certificate
- A copy of Divorce/Death Certificate*)
- A copy of ID Cards of the Board of Directors and Commissioners **)
- A copy of ID Cards of Shareholders’ ID **)
*) Mandatory if any, optional for business entities
**) Only for business entities
Collateral Property Document
- A copy of Certificate
- A copy of KTP & NPWP of the Collateral Owner (if Collateral is in the name of others)
- A copy of Building Permit (IMB)
- A copy of the last Land & Building Tax bill
- A copy of the latest Land & Building Tax proof of payment
Financial Documents
- A copy of Audited Financial Reports *)
- A copy of Internal Financial Reports *)
- A copy of Other Bank Accounts (minimum of the last 4 months
*) Mandatory if any
Fees and Limits
- Provision Fee
- Administration Fee
- Interest Rates
- Fines for Late Payments
- Collateral Appraisal Fee
- Collateral Insurance Costs
- Notary Fee
- Penalty Fee (for repayment with certain criteria)
Regular Interest Rate
Interest rates start at 5.00% per year
Special Interest Rate (BCA 68th Anniversary)
For BCA's 68th anniversary, BCA offers a special interest rate for Indonesian MSME entrepreneurs, starting from 3.68% per year.
| Fix Period | Interest Rate (eff.p.a) | Minimum Tenor |
| Fix 1 years | 3.68% | 60 month |
| Fix 3 years | 7.68% | 36 month |
| Fix 3 years | 5.68% | 84 month |
| Fix 5 years | 7.68% | 60 month |
| Fix 5 years | 6.68% | 120 month |
Effective as of February 1, 2025