Commercial Credit

Accelerate Your Growth, Reach Further

Accelerate your business growth and expand your horizons with Bank Jakarta's commercial credit solutions.

Accelerating Sustainable Business Growth

Working Capital Credit

A credit facility designed to supplement a company's working capital, covering raw material purchases, production costs, operational expenses, marketing, and other expenditures exhausted within a single business cycle, with the option for extension as required.

Investment Credit

A credit facility designated for the procurement of capital goods and associated services required for the rehabilitation, modernization, or establishment of both existing and prospective projects or assets.

Syndicated Loan

A credit facility extended to debtors or prospective debtors through a consortium of two or more banks or financial institutions, featuring an appointed facility agent and a jointly established Credit Agreement.

Terms and Conditions for Commercial Credit Application

Credit Application Letter

Customer's Business Legal Documents

Certification of Classification & Qualification for Services and Construction

ID Card (KTP) and Taxpayer Identification Number (NPWP) of the Management and Shareholders

List of Awarded Projects

Letter of Agreement/Purchase Order (PO)/Work Order (SPMK)/Notice of Award (SPPBJ)/or other relevant documents

Financial Information Data for the last 2 years

Collateral Documents in accordance with the type of collateral

Minimum of 3 years in business operation

Submission of Credit Application Letter

Deed of Establishment and its legalization

Latest Deed of Amendment and its legalization

Business License

Financial Information Data for the last 2 years

Other Information

Product Risks and Terms

Commercial Credit can be utilized for working capital or investment requirements.
There is a risk of payment delays for customers, which may incur late payment penalties.
The borrower is obligated to fulfill all payment obligations until the credit is fully repaid.
Payment history may affect access to credit in the future.
The Bank reserves the right to take action in accordance with the credit agreement in the event of default.
For further information, please contact the Bank Jakarta Contact Center at 1500-351 or visit your nearest branch office.

Product Information Summary (RIPLAY)

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Frequently Asked Questions

Bank Jakarta's Commercial Credit is a financing facility provided to business entities and individuals with productive business activities to fulfill requirements for working capital, investment, business expansion, asset acquisition, and project financing.

Commercial Credit applications can be submitted by:

Legal business entities (Limited Liability Companies/PT, Limited Partnerships/CV, Cooperatives, Foundations)
Micro, Small, and Medium Enterprises (MSMEs)
Regional-Owned Enterprises (BUMD)
Contractors and developers
Individual entrepreneurs with productive business activities

Commercial Credit may be utilized for:

Business working capital
Procurement of raw materials
Inventory augmentation
Purchase of machinery and equipment
Renovation or construction of business premises
Acquisition of operational vehicles
Business development and expansion
Project financing

Working Capital Credit is utilized to meet daily operational business needs, such as purchasing raw materials or paying operational expenses. Investment Credit is designated for the acquisition of long-term assets such as land, buildings, machinery, operational vehicles, or the development of business facilities.

The approved credit limit is determined based on the business requirements, repayment capacity, feasibility study results, and the appraised value of the pledged collateral.