BCA - Multipurpose Business Loan

Multipurpose Business Loan

Meet Various Needs

Not only for working capital but also for investment, business development, various business costs, obligations, etc.

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.

Important Information

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

Terms & Conditions for Individuals

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

Terms & Conditions for Business Entities

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

Document Requirements

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 Document Requirements

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 (Gemilang Akhir Tahun)

For the end of 2024, BCA offers a special interest rate for "the Gemilang Akhir Tahun" Multipurpose Business Loan for Indonesian MSMEs, starting at 2.88% per year.

Fix Period	Interest Rate (eff.p.a)	Minimum Tenor
Fix 1 years	2.88%	60 month
Fix 3 years	7.88%	36 month
Fix 3 years	5.88%	84 month
Fix 5 years	7.88%	60 month
Fix 5 years	6.88%	120 month

Effective as of October 1, 2024