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Kredit UMKM Modal Kerja

Maximize Working Capital for Seamless Business

Expand MSME business with more profitable business financing

Kredit UMKM Modal Kerja

Kredit UMKM Modal Kerja is a working capital solution within the scale of Micro, Small, and Medium Enterprises (MSME) and can be used for business financing ranging from procurement of goods, production processes, sales and distribution, and other financing.

peningkatan penjualan

Large Financing

Business capital financing up to IDR 5,000,000,000

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Quick Process

Enjoy quick credit application process

Easy Requirements

Easier credit application with light requirements

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Flexible Withdrawal

Credit withdrawal is more convenient and flexible

Routine Report

Competitive Interest Rate

Enjoy attractive and competitive interest rate with other banks

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Flexible Term

Adjusted with the agreement of the Bank and the prospective customer's business

peningkatan penjualan

Large Financing

Business capital financing up to IDR 5,000,000,000

Icon cepat

Quick Process

Enjoy quick credit application process

Easy Requirements

Easier credit application with light requirements

icon-penarikan-fleksibel

Flexible Withdrawal

Credit withdrawal is more convenient and flexible

Routine Report

Competitive Interest Rate

Enjoy attractive and competitive interest rate with other banks

icon-waktu

Flexible Term

Adjusted with the agreement of the Bank and the prospective customer's business

modal kerja 

Kredit UMKM Modal Kerja

Working capital credit provided as a business financing solution ranging from construction, trade, industry, or services business within the scale of Micro, Small, and Medium Enterprises (MSME).

Terms & Conditions

  • Have a valid business license

  • Do not have problem loans with bank BTN or with other banks

  • The majority of owners or management have experience in the company to be financed for at least 1 (one) year

  • The business has earned a net income in the last 1 (one) year

  • For individual applicant:
    1. Indonesian citizen (WNI) with a minimum age of 21 (twenty one) years old/has/has been married
    2. Maximum age by the time the credit is settled is 65 (sixty five) years old

  • For business entity applicant:
    1. Indonesian legal entity with a minimum age of official members is 21 (twenty one) years old or married

modal kerja konstruksi 

Kredit UMKM Modal Kerja Konstruksi

Working capital credit granted to the construction business sector and developers in financing the building development (residential houses, shop houses, office houses, kiosks, etc.) for sale.

Terms & Conditions

  • Have productive business in the category of Micro, Small, and Medium Enterprises (MSME) and have been running for at least 1 (one) year

  • Have a valid business license

  • Do not have problem loans with bank BTN or with other banks

  • The majority of owners or management have experience in the company to be financed for at least 1 (one) year

  • The business has earned a net income in the last 1 (one) year

  • For individual applicant:
    1. Indonesian citizen (WNI) with a minimum age of 21 (twenty one) years old/has/has been married
    2. Maximum age by the time the credit is settled is 65 (sixty five) years old

  • For business entity applicant:
    1. Indonesian legal entity with a minimum age of official members is 21 (twenty one) years old or married

modal kerja pemilik lahan 

Kredit UMKM Modal Kerja Pemilikan Lahan

Land ownership credit as a business expansion solution to build subsidized houses using the facility of Kredit Konstruksi BTN.

Terms & Conditions

  • Have productive business in the category of Micro, Small, and Medium Enterprises (MSME) and have been running for at least 2 years

  • Have a valid business license

  • Do not have problem loans with bank BTN or with other banks

  • Complete business legality, project legality, and business financial data

  • The business has earned a net income in the last 1 year

  • Mandatory allotment for simple housing

  • The applicant's Land Ownership Credit must be in the form of a Legal Entity

  • For Business Entity applicants (business entity applicant):
    1. Indonesian legal entity with a minimum age of 21 (twenty one) years old or married"

modal kerja kontraktor 

Kredit UMKM Modal Kerja Kontraktor

Working capital credit provided to finance the procurement of goods/services based on a Work Contract or Work Order (SPK).

Terms & Conditions

  • A legal entity or a non-legal entity

  • Minimum 1 year experience in the related field

  • Have a good performance, do not have problem loans

modal kerja pola kemitraan 

Kredit UMKM Modal Kerja Pola Kemitraan

Working capital credit provided to finance the procurement of goods and services, or development based on a work contract/Work Order (SPK) for a state-owned company, Non BUMN, or Prime Developer

Terms & Conditions

  • Have productive business in the category of Micro, Small, and Medium Enterprises (MSME) and have been running for at least 1 (one) year

  • Have a valid business license

  • Do not have problem loans with bank BTN or with other banks

  • The majority of owners or management have experience in the company to be financed for at least 1 (one) year

  • The business has earned a net income in the last 1 (one) year

  • For individual applicant:
    1. Indonesian citizen (WNI) with a minimum age of 21 (twenty one) years old/has/has been married
    2. Maximum age by the time the credit is settled is 65 (sixty five) years old

  • For business entity applicant:
    1. Indonesian legal entity with a minimum age of official members is 21 (twenty one) years old or married

modal kerja renovasi 

Kredit UMKM Modal Kerja Renovasi

Working capital credit given to developer to help with working capital for renewal (renovation) and cost of certificate management for housing units ex. Non-performing loan collateral that has been purchased in cash and paid off.

Terms & Conditions

  • Prospective debtors dhi developers are not affiliated with developers in housing projects whose units are former collateral for non-performing loans and have been purchased by prospective debtors

  • House units financed for renovation are in one location and/or multiple housing project sites

  • IMB (Building Permit) has been issued

  • The main collateral for the housing unit being the object to be financed is the land and the building that stands on it

  • Additional Collateral in the form of fixed assets, movable objects, and deposits

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