Supply Chain Financing

Easy Transaction for Sellers and Buyers

Improve trade and more stable financial flows in the company business process

Supply Chain Financing

Enjoy financing facility to optimize your business

Competitive Interest Rate

Interest rates are lower than general credit

Automated System

Automatic credit disbursement and repayment process through the system

Flexible

Can use various types of collateral

Develop Business

Support financial flows of Principal/Supplier/Distributor

Competitive Interest Rate

Interest rates are lower than general credit

Automated System

Automatic credit disbursement and repayment process through the system

Flexible

Can use various types of collateral

Develop Business

Support financial flows of Principal/Supplier/Distributor

Terms & Conditions

Open an account at BTN
Submit a Cooperation Agreement (PKS) with BTN
Submit the Legality Documents of the Applicant, Management and Shareholders, and other documents

Supply Chain Financing Scheme

Objective

Scheme	Objective
Payable Financing	Accelerate receipt of Supplier (Seller) receivables through invoice takeover without recourse by utilizing better Principal (Buyer) credit risk. Invoices that can be taken over are invoices that have been accepted.
Supplier Financing	Accelerate the receipt of Supplier (Seller) receivables by financing invoices. Invoices that can be funded are invoices that have been accepted.
Distributor Financing	Providing Supply Chain Financing facilities under the Distributor Financing scheme is intended for Distributors (Buyers) who already cooperate based on a contract agreed with the Principal (Seller).

Benefit

Scheme	Benefit
Payable Financing	With the Supply Chain Financing Payable Financing scheme, the Supplier can receive payment of bills for invoices that have been taken over at an early/quick discount when compared to the due date of payment of bills by the Principal.
Supplier Financing	With the SCF facility, the Supplier can receive early/quick payment of invoices when compared to the payment of invoices by the Principal at maturity. However, for this Supplier Financing scheme facility, the payment that the Supplier will receive is only partial. The remaining amount is to be paid by the invoice's due date.
Distributor Financing	This facility is a financing facility used to pay bills to the Principal. The Bank will make a credit disbursement/withdrawal to finance part (maximum 80%) of the value of the invoice that has been accepted, while the remaining shortfall is self-financing from the Distributor.

Find Answers to Your Questions

What are the schemes in Supply Chain Financing (SCF)?

SCF consists of 4 schemes: Payable Financing, Supplier Financing, Receivable Financing, and Distributor Financing.

What are the objectives and benefits of Supply Chain Financing?

Supply Chain Financing aims to fulfill customers' supply chain needs through financing based on accepted invoices. The benefit of SCF is that it helps maintain customers' cash flow with the financing provided by the Bank.