SME Banking - BIL | Standard Chartered Bank Indonesia

Enjoy the benefits of Standard Chartered Business Instalment Loan:

Loan facility up to IDR500 million

Loan facility starting from IDR 50 million up to IDR 500 million.
One time loan disbursement.

Without guarantee, without deposit and without the need of a guarantor

Provides facilities and freedom from any obstructions.

Fixed Instalments

The payment of monthly instalments in fixed amount will assist you in implementing financial management.

Current Account facility

You will automatically get Current Account facility for your business transactions.

Access to many of Standard Chartered products & services

Access to variety of products and services from Standard Chartered Bank (Investment Services, FX Facilities, Banking Facilities for Export and/or Import, Deposit, Cash Management and Secured Loan, Phone Banking, Cheque and Giro Book).

Special Administration Fee

Special Fee for RTGS : IDR 20,000.- / transaction and SKN : IDR 5,000.- / transaction.

Easy Repayment

Tenure option ranging from 1, 2 to 3 years.
Monthly instalment payment is deducted directly from your current account in Standard Chartered Bank.

Instalment payment can be done through cash deposit, transfer to your Standard Chartered Bank current account via ATM BERSAMA, ATM BCA, ATM BNI, ATM BRI, BRI cashier or even transfer from other banks**.

*if needed, Bank has the right to ask Personal Guarantee.
** transfer fee will be borne by customer.

If you have run your business for a minimum of 3 (three) years with complete documentations, age between 25 to 60 years old*,
apply for Business Instalment Loan Now!

*Apply to Sole Proprietor and Personal Guarantor.

Document Requirement	Limited Co. (PT)	Partnership (FA/CV)	Sole Proprietor (UD/PD)
Copy of Valid ID (KTP) of Board of Director (s) and Shareholder (s), Active and Passive Partner (s), Personal Guarantor (s) and PG’s Spouse			-
Copy of Company Deed and Subsequent Changes			-
Copy of Approval from Department of Law and Human Right, Supplement to State Gazette		-	-
Copy of Company Tax ID (NPWP)			-
Copy of Personal Tax ID (NPWP)
Personal Guarantee * and Copy Valid ID (KTP) of owner and spouse (husband or wife)		-	-
Written consent from Company’s management for loan application			-
Copy of Business License minimum 3 (three) years
Copy of document (s) to proof the length of business establishment (if applicable) **
Copy of Business Registration (TDP)			-
Copy of last 6 (six) months Personal Bank Account (s) used for business
Copy of Valid ID (KTP) of owner and spouse (husband or wife)	-	-
Copy of Marriage Certificate or Family Card (if applicable)	-	-
Copy of ownership certificate or sales purchase deed of asset (land and/or building)

*	The majority shareholder (s) stated on the company deed .
**	Working Capital Facility agreement from other bank/Electricity Bill//Water Bill/Telephone Bill/Bank Letter/Tax Statement.
***	Account Statement used for business transaction, Loan Account from other bank, Personal Account used for business.

Provision Fee	3% of approved loan limit, deducted from the approved loan limit, once on loan disbursement. IDR 10,000.- / year during the loan tenure.
Other Fee	Stamp duty for Bank Statement : IDR 6,000.-/month. 5% of approved loan limit is being charged to applicant for any loan cancellation.
Insurance Premium Fee	(Premium Rate x Approved Loan Limit).

Insurance Premium Table

Tenure	12 Months	24 Months	36 Months
Premium Rate	0.14%	0.29%	0.46%

Factor Rate Table

Loan Amount (IDR)	Tenure (month)	Factor Rate	Interest rate Flat/month*	Interest rate Flat/year*
< 150 million	12	0.10096248658644	1.77%	21.15%
	24	0.05957873632678	1.80%	21.49%
	36	0.04637510784203	1.86%	22.32%
150-300 million	12	0.09996298733611	1.67%	19.96%
	24	0.05851861871468	1.69%	20.22%
	36	0.04523604132177	1.75%	20.95%
> 300 million	12	0.09896870983901	1.57%	18.76%
	24	0.05746863303670	1.59%	18..96%
	36	0.04411132059187	1.64%	19.60%

* Bank is using effective interest rate per month for early redeemption. Data calculation and formula are subject to change by early writen notification.

Instalment Calculation:

Monthly instalment = Loan Amount x Factor Rate

For monthly instalment simulation, please click here.

Instalment Table

Loan Amount	Monthly Instalment (round up)
Loan Amount	12	24	36
50,000,000	5,048,125	2,978,937	2,318,756
100,000,000	10,096,249	5,957,874	4,637,511
125,000,000	12,620,311	7,447,343	5,796,889
150,000,000	14,994,449	8,777,793	6,785,407
200,000,000	19,992,598	11,703,724	9,047,209
225,000,000	22,491,673	13,166,690	10,178,110
250,000,000	24,990,747	14,629,655	11,309,011
275,000,000	27,489,822	16,092,621	12,439,912
300,000,000	29,988,897	17,555,586	13,570,813
325,000,000	32,164,831	18,677,306	14,336,180
350,000,000	34,639,049	20,114,022	15,438,963
375,000,000	37,113,267	21,550,738	16,541,746
400,000,000	39,587,484	22,987,454	17,644,529
425,000,000	42,061,702	24,424,170	18,747,312
450,000,000	44,535,920	25,860,885	19,850,095
475,000,000	47,010,138	27,297,601	20,952,878
500,000,000	49,484,355	28,734,317	22,055,661

The instalment table is illustration only. Offering is applied if all Standard Chartered Bank terms and conditions have been fulfilled.

Register your business now for Standard Chartered Bank KTA Bisnis: OR, Send SMS to 9299, type:
KB <spasi> CITY <spasi> NAME&COMPANY

Example:
KB Surabaya BUDI&CV. Delima Makmur

Contact us or visit our nearest Standard Chartered Bank branch to discuss your needs with our Relationship Manager (RM).

You expand the business, we provide the fund