BACK

About Working Capital

Working capital loan facility for wide business from small, medium and large enterprises that provides tenor of 1 years and can be extended

Lending Schemes

Executing Scheme

This is a financing facility from Maybank directly to BPR for on-lending to their MSME customers.

Channeling Scheme

This is a financing facility from Maybank to MSME entrepreneurs, whereby our BPR partners act as an agent and does not have any loan approval authority for this particular portfolio unless authorized by Maybank.

Joint Financing Scheme

This is a joint financing scheme with BPR to facilitate loan facility to MSME entrepreneurs, whereby fund is provided by both Maybank and BPR, hence the credit risk is borne by both parties depending on the financing composition.

Benefit

Competitive Interest Rate

Withdrawals can be made at any time according to business needs

Flexible Tenor

Maximum is one year and can be extended

Fast and Easy Procecss

Easy process according to customer profile

Working Capital Credit

Plafond funding

> IDR 250 millions – IDR 2 billions

Warranty

Land and/or Building, including House/Apartment/Home Office/Kiosk/Office/Flats/Shophouse/Warehouse/Factory/Vacant Land located at the center of the city
Time Deposit (Cash Collateral)

Loan Term

1 year maximum time and renewable except for Direct Promise Loan (PPL).

General Terms & Conditions

Available for businesses (individuals /business entities) that have been well developed for at least 2 years.
Minimum age of 21 years old and maximum 65 years old when the credit expires.
Indonesian Citizen (WNI).
Loan is used for productive purposes.

General Required Documents

Document	Perorangan	Badan Hukum (PT, CV)
Applicant's ID (including spouses and collateral owner/manager and shareholder)	√	√
Certificate of Marriage/Divorce/Death/Prenuptial Agreement (choose one)	√
Tax ID Number (NPWP)	√	√
Business License	√	√
Bank Account record in last 3 months	√	√
Company Establishment Deed along with its amendments and the latest deed		√
Minister of Justice and Human Rights Decree		√

Working Capital