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Kredit UMKM Investasi is a Right Choice to Expand Your Long Term investment
Kredit UMKM Investasi is the right solution for your long-term business financial planning
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Kredit UMKM Investasi
Long term financing for investment in the purchase of capital goods or development, expansion, renewal (renovation) of productive fixed assets and associated costs or financing.
Financing up to 5 billion
The process is quick and easy
Light credit requirement
Credit withdrawal procedures can be carried out based on cashflow, aflopend (all at once), and according to project achievements
Competitive interest rate
The time period is in accordance with the agreement with the Bank and adjusted to the business characteristics of the prospective customer
| FEATURES | ||
| 1 | Product Name | Kredit UMKM Investasi |
| 2 | Product Type | Earning Credit |
| 3 |
Currency |
Rupiah |
| 4 |
Credit Ceiling |
up to 5 billion |
| 5 | Term |
According to product terms |
| 6 |
Administration Fee |
0.25% or a minimum of IDR 250 thousand |
| 7 |
Provision Fee | 0.75% – 1% |
- The business should be operating for a minimum of 1 years in the location with the same field
- A Valid trading license
- Don’t have a problematics loans with BTN Bank or with other Banks
- Min 1 year experienced owner
- Has obtained net income in the last 1 (one) year
- Individual Applicant: Minimum age of 21 years or already married
- Maximum age of 60 years by the time the credit is settled
- Business entity applicant: Indonesian law based with official member minimum age of 21 years or already married
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Applicant Documents |
Individual |
Business Entities |
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KTP of the applicant's husband/wife, Family Card, and Marriage/Divorce Certificate |
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Deed of establishment of the company up to last amendment deed |
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Affidavit of income submitted by the local village |
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NPWP (Taxpayer Identification Number) |
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Business Licensing: SIUP, SIUJK, TDP, SITU or Business Information from Kelurahan/Kecamatan or Market Service if the business is in the market |
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Legality of place of business (IMB, proof of land rights/certificate, lease agreement |
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Business financial records |
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Financial statements |
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Savings/giro account showing business transactions |
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Details of credit allocation |
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Credit collateral |
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- Apply for Kredit UMKM Investasi to the nearest Bank BTN
- Submit and prepared files
- Files that have been received will be processed and verified by Bank BTN
- After passing and approved then the applicant will do the credit agreement
- Credit Disbursement
