Overdraft Loan is a credit facility of work capital where its withdrawal can be conducted in any occasion by using CEK/BG media up to the credit plafond/limit.
1.The customer has the flexibility in withdrawal and payment of the credit, hence, withdrawals can be conducted on any days along with loan principal payments simultaneously.
2.Customer can make payment obligations in advance at the time of its credit can not be disbursed (financing gap between receivables and payable period), or for financing the operational costs of a short-term in nature.
3.Flexibility of using PRK facility assist customers to optimize its business cash flows, hence it could optimize the use of credit plafond and suppress the expense of work capital.
|Fotocopy KTP Husband & Wife||Fotocopy Article of Establishment and Subsequent deeds (Deed of Amandment, updated)|
|Fotocopy Kartu Keluarga||Fotocopy Pengesahan dari Menkeh dan HAM RI|
|Fotocopy Kartu Nikah||Fotocopy Lembaran Berita Negara|
|Fotocopy Akta Harta Terpisah||Fotocopy ID of all BOD and BOC|
|Fotocopy Surat Keterangan Ganti Nama||
Fotocopy KITAS Pasport of all BOD and BOC
|If Not Indonesian Citizen|
|Fotocopy Life History||Fotocopy NPWP of the Company|
|Fotocopy NPWP||Fotocopy NPWP of all BOD and BOC|
|Fotocopy SIUP||Fotocopy SIUP|
|Fotocopy TDP||Fotocopy TDP|
|Fotocopy API/APE||Fotocopy API/APE||Only for exporting/importing companies|
|Fotocopy DRM||Fotocopy Surat Ijin Gangguan||If applicable|
|Land & Building|
|Business Plan and Strategy for 2 years|
|Audited Financial Report (Last 2 years)|
|Financial Reports (Current Year, Q1, Q2)|
|Projected Financial Reports (2 years)|
|Sales, Inventory & A/R Reports Q1 dan Q2|
|Account Statement (Last 6 Months)|
|List of Suppliers & Buyers with the transaction value for the last 6 months|