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Working capital credit

BNI always accompanies the growth and development of your business, one of them by providing a variety of working capital loan products that can help your business be ready to become big.

Advantages of BNI Working Capital Loans:

  • Can be used for various needs including KMK for Industry, KMK for Trade, Industry, Transportation Services, Hospitality Services, Construction and others.
  • Competitive interest rates.
  • Ease of credit disbursement and other transactions supported by the BNI network spread throughout Indonesia.

Requirements:

  • Completeness of a valid business permit / legality in accordance with their line of business.
  • The business has been running for at least 2 (two) years.
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Investment Credit

BNI understands your needs related to investment for your business development. The solution that BNI provides is Investment Credit, which is a medium or long-term credit to meet your business investment needs.

The advantages of BNI Investment Loans are:

  • Can be used for the length of the purchase of capital goods and services needed for the establishment of new projects, expansion of existing projects, modernization, rehabilitation, relocation of projects or refinancing of objects that have been financed in advance.
  • The credit period can be adjusted to the ability of the customer’s business.
  • Competitive interest rates.
  • Ease of credit disbursement and other transactions supported by the BNI network spread throughout Indonesia.

Requirements:

  • Completeness of a valid business permit / legality in accordance with their line of business.
  • The business has been running for at least 2 (two) years.
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Supply Chain Credit

BNI understands your business needs that require a form of financing that better integrates your business with business partners. The solution that BNI provides is with Supply Chain Financing. Supply Chain Financing is a credit facility provided to Business Partners (suppliers / buyers / contractors) from BNI’s main customers.

Advantages of Supply Chain Credit:

  • More competitive interest rates and more flexible credit terms.
  • Facilities are customized according to needs related to the supply chain .
  • BNI’s network is spread throughout Indonesia.
  • The credit process is relatively faster.

Requirements:

  • Completeness of a valid business permit / legality in accordance with its line of business.
  • Is a business partner (supplier / buyer / contractor) of BNI’s main customers.

Supply Chain Financing Products:

  1. Supplier Financing
    Credit facility to Business Partners by taking over payment of trade receivables from the Principal / Corporate that is not yet due.
  2. Financing Distributor
    Credit facility to Business Partners to pay trade payables to Principal / Corporate when due.
  3. Payable Financing
    A credit facility to the Principal / Corporate to pay trade payables to the Business Partner when due.
  4. Receivable Financing
    Credit facility to the Principal / Corporate by taking over the payment of trade receivables from the Business Partner that is not yet due.
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As a form of BNI’s partisanship for the development of financial institutions in Indonesia, BNI provides financing solutions in the form of Credit to Financial Institutions (KKLK). Credit to Financial Institutions is a credit facility provided to and or through a Financial Institution to continue lending to end users through strategic alliances (cooperation).

Excellence of Credit to Financial Institutions (KKLK):

  • BNI’s network is spread throughout Indonesia.
  • Interest rates compete with effective, annuity or flat interest calculation systems.

Requirements:

  • Completeness of a valid business permit / legality in accordance with their line of business.
  • The business has been operating commercially for at least 3 (three) years.
  • Especially for credit to Kopkar (Employee Cooperatives), must have used the payroll system at BNI.
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BNI Entrepreneurship (BWU)

For those of you entrepreneurs who need investment loans and flexible working capital loans to develop your business, apply for BNI Entrepreneurs now also credit from BNI for small businesses with credit facilities of Rp 50 million to Rp 1 billion. BNI Entrepreneurship supports your business through the provision of productive business loans to individuals and legal entities, which cover all economic sectors that are feasible to be financed.

BNI Entrepreneurial Excellence (BWU):

  • Quick process and easy requirements.
  • The credit period is longer up to 10 years.
  • Competitive interest rates.
  • Flexible installment payments.
  • Maximum credit limit up to Rp 1 billion.
  • Can take over credit from other banks.

Requirements:

  • Indonesian Citizen (WNI).
  • The business has been running for at least 1 year.
  • Minimum age 21 years (or married).

Two Step Loan

BNI understands the need for investment financing for industrial projects both owned by the National Private Company and PMA / Joint Venture whose production results are in the form of export commodities and / or non-export commodities. BNI has a Two Step Loan financing solution that is used to finance investment in production facilities, processing facilities, supporting facilities for new projects, expansion, modernization and rehabilitation.

Two Step Loan Credit Advantages:

  • The credit period can be adjusted to the ability of the customer’s business.
  • Competitive interest rates.
  • BNI’s network is spread throughout Indonesia.

General requirement :

  • Completeness of a valid business permit / legality in accordance with their line of business.
  • The business has been running for a minimum of 2 (two) years (for the middle and corporate segments for a minimum of 3 years).
  • Other requirements are adjusted to the type of TSL.

Fixed Deposit Loans

Are you currently in need of fast funds for the development of your business? BNI has the solution, namely Time Deposit Deposited Loans, namely credit facilities granted to business entities that have legal status (except for foundations or cooperatives) with collateral in the form of time deposits.

Advantages of Time Deposit Deposited Loans:

  • Help the company (the owner of the deposit) to obtain credit without having to withdraw the deposit.
  • Can be used for all purposes (free use).
  • BNI’s network is spread throughout Indonesia.

General requirement :

  • Deposited deposits are Deposits (in the same currency) on behalf of the Credit Applicant, Owner or Management of a company or Business Group.