Working Capital Credit
Duration of Facility: Maximum of 3 (three) years.
Maximum Loans : Maximum 80 % of working capital requirement
Usability of Facilities:
- Finance the accounts receivable turnover
- Financing the inventory turnover
- Purchase of raw materials for production
- Financing a work contract
Benefit:
- Varied working capital credit (KMK) products include General KMK, KMK Construction,
KMK Contractors and KMK for Non-Bank Financial Institutions (LKBB) - Competitive interest rate
- The process is easy and fast with active marketing to pick up the ball
Financial Data Terms and Conditions:
- Financial statements for the last 2 (two) years or opening financial statements if the company
has been running for less than 1 (one) year. - For credit applications> Rp. 10 billion, the financial statements must be audited by a registered
public accountant accompanied by an explanation. - Copy of the last 3 (three) months account.
- Cash flow projection.
- Collateral valuation must use KJPP Bank partners.
Terms and provisions:
| No. | Document | Permanent Employee |
Professional | Bussiness |
| 1 | Copy e ktp applicant |
√ | √ | √ |
| 2 | Copy family card applicant |
√ | √ | √ |
| 3 | Copy marriage certificate | √ | √ | √ |
| 4 | Copy NPWP/ SPT PPh 21 | √ | √ | √ |
| 5 | Copy saving account minimal 3 month |
√ | – | – |
| 6 | Copy current account 6 month | √ | √ | √ |
| 7 | Original certificate of work & salary slip |
√ | – | – |
| 8 | Copy Professional Practice Permit |
– | √ | – |
| 9 | Copy document business legality / Business Certificate (Deed of Establishment / AD-ART, SIUP, NPWP, SITU / SKDU & TDP) Companies from Local Governments. |
– | √ | – |
| 10 | Photo 4×6 applicant |
√ | √ | √ |
| 11 | Copy document guarantee *) | √ | √ | √ |
| 12 | Copy financial statements for the past 2 year |
– | – | √ |