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Working Capital Loan

Grab the opportunity to grow your business with Standard Chartered Bank, who is ready to become your Right Partner. Standard Chartered Bank has various credit facilities with competitive interest rate to support your growing business, as business development would need sufficient working capital.

Benefits for you:

Withdrawal/deposit can be done anytime.
Interest calculation is based on loan outstanding.
Better cash flow management.

Overdraft
Type of Account	Current Account OD (overdraft)
Collateral	Fixed Deposit (minimum tenor 1 month Automatic Roll Over)
Tenor	12 Months (renewable subject to bank approval)
Withdrawal / Deposit	Anytime
Maximum Utility	Based on the approved credit limit
Interest Payment	Debited monthly as per drawdown date

Investment Service backed overdraft (ISOD) For extra flexibility we also offer working capital facilities backed by your existing mutual fund with us as collateral.
Type of Account	Current Account Overdraft
Collateral	Selected mutual fund offered by SCB
Tenor	12 Months (renewable subject to Bank Approval)
Disbursement	Anytime
Maximum Utility	Based on the approved credit limit
Interest Payment	Debited at every end of the month

Demand Loan
Type of Account	Current Account Demand Loan
Collateral	Fixed Deposit (minimum tenor 1 month Automatic Roll Over)
Tenor	12 months (renewable subject to Bank Approval)
Withdrawal / Deposit	Anytime with promissory note
Maximum Utility	Based on the approved credit limit
Interest Payment	Debited monthly as per drawdown date

Fees
Provision Notary	1 % per annum Based on credit limit
Loan Interest Rate : +/- 3% margin spread from deposit* *Subject to change with written notification based on the Bank Policy

Risk Factor

Any banking transaction as with other banking products contains a risk factor. Our Operational and Customer Service team have acquired sufficient training to execute the transactions and deliver information to the customers on our transactions and products. We also advise that prior to opening an account and conducting a banking transaction, the customers read and understand the Terms and Conditions related to the product and transaction.

Contact us at 021-57 9999 88 (Jakarta), 022-421 9688 (Bandung), 024-845 0188 (Semarang), 031-547 2888 (Surabaya), 061-457 2888 (Medan), 0361-223 700 (Bali), 0271-742 555 (Solo) or visit our nearest Standard Chartered Bank branch to discuss your needs with our Relationship Manager (RM).

Our Call Center is available on office hour only.

Highlights

Business Installment Loan
You expand the business,
we provide the fund

Cash Management
You manage the business,
we provide financial services

Trade Services
The best solution for your business

Express Trade for SME
You want stronger trade growth,
we'll boost it by up to 5 times*

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