Personal

Business Loan Page

Retail Business Banking Business Loan

Get your loan needs sorted out

We offer various types of loans for your business, from short-term to long-term. Find a loan product that suits your business to support your working capital needs.

Secured Loan

  1. Loan limit start from IDR 500 Mio up to IDR 10 Bio
  2. Loan tenor up to 10 years
  3. Collateral :
    • Land and / or Buildings, including: House / Apartment / Shop office / Shop house
    • Time Deposit (Cash Collateral)
    • Government Securities / Bonds
  4. There are various types of loans available:

Business loan unsecured

  1. Loan limit start from IDR 50 Mio up to IDR 1 Bio
  2. Loan tenor up to 3 years
  3. No collateral needed
  4. Available for Overdraft loan and Term loan


General terms and conditions
General terms and conditions for loan facilities
  1. Intended for business financing on behalf of Individuals and Business Entities (PT / CV).
  2. The business has been running for a minimum of 3 (three) years.
  3. Debtor's age is at least 25 years and a maximum of 70 years when the loan facility ends.
Documents
Documents Sole Trader PT / CV
Copy of ID card (KTP/Paspor Debtor/spouse/shareholder) ✔ ✔
Copy of Birth/Death ✔ -
Death certificate from spouse (if any) ✔ -
Copy of Marriage certificate / Divorce certificate ✔ -
Copy of Family certificate ✔ -
Prenuptial agreement (if any) ✔ -
Copy of last 3 months Primary bank statement ✔ ✔
Annual tax payment letter ✔ -
Copy of Trade License (SIUP/TDP/SKDU) and equivalent ✔ ✔
Copy of NPWP ✔ ✔
Facility Data at Other Banks (if any) ✔ ✔
Copy Dokumen Jaminan ✔ ✔
Copy Certificate of Collateral - ✔
Company/ Group Profile - ✔
Feasibility Study (if any) - ✔
Financial statement last 3 years - ✔
List of Supplier/ buyer/ stock - ✔
Working Contract (if any) - ✔
Loan Fees
Fee Types Secured Loan Unsecured Loan
Overdraft & Revolving Loan Term Loan Overdraft Loan Term Loan
Provision IDR 0 - 2 M : 1% pa
> IDR 2M : 0.5% pa 		Tenor 1-3 years : 1 % flat
Tenor >3 years : 2 % flat 		2% pa 1 years 2% flat
2 years 2.5% flat
3 years 3% flat
Administration ≤ IDR 1 M : IDR 1.000.000
IDR 1 - 2 M : IDR 2.000.000
> IDR 2 - 5M : IDR 3.500.000
> IDR 5M : IDR 5.000.000 		IDR 1.000.000
Late Payment/Overdrawn Interest (for OD) 2% pa 1% pa 2% pa
Partial Repayment N/A 2% of partially repaid loan amount N/A 2% of partially repaid loan amount
Early Termination (include take over) 2% of loan limit 2% of the outstanding loan amount 3% of loan limit Remaining tenor:

2 - ≤ 3 years = 5%*.

1 - ≤ 2 years = 4%*.

≤ 1 years = 3%*.

*of the outstanding loan amount
Custodian IDR 300.000 / Debtor / Year IDR 300.000 / Debtor N/A
Appraisal Refer to appraisal fee N/A
Notary Follow the standard of Notary Fee of Notary's Partners N/A
General Insurance Fee Refer to insurance fee of bank partner N/A
Credit Application Form

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Program Nasabah Baru 2019

Raih sukses dalam bisnis UKM Anda dengan penawaran dari HSBC Retails business Banking
  1. Bunga Pinjaman Usaha hanya 7% per tahun*.
  2. Rekening Giro dengan bunga hingga 3% per tahun.
Hingga 31 Juli 2019
Formulir Pendaftaran, Syarat dan Ketentuan program, klik disini.

Smart Business

Info lebih lanjut, klik disini.

Kartu Business Debit GPN

Info lebih lanjut, klik disini.

Voucher belanja hingga Rp 1 Juta
dengan rekening Smart Business

Ikuti langkah berikut ini untuk kesempatan mendapatkan voucher belanja hingga Rp1.000.000*


Buka rekening Smart Business untuk kesempatan mendapatkan voucher senilai
Rp 200 Ribu.


Lakukan registrasi dan transaksi finansial* melalui Business Internet Banking untuk kesempatan mendapatkan voucher hingga Rp 700 Ribu.


Aktivasi Kartu Business Debit dengan transaksi finansial* untuk kesempatan mendapatkan voucher senilai Rp 100 Ribu.

Syarat dan ketentuan berlaku.

PT Bank HSBC Indonesia is registered and supervised by Financial Services Authority (OJK), Bank Indonesia (BI)
and also a participant of Indonesia Deposit Insurance Corporation (LPS) guarantee program

Overdraft Loan

Short-term loan facility to finance your daily business needs, anticipate cash flow fluctuations and also unexpected costs. The withdrawal can be made in the form of check / crossed checks and Debit Business Card (with daily withdrawal limits).

Benefit:

  1. Competitive interest rate.
  2. Penarikan dan pembayaran pinjaman yang fleksibel.
  3. Memberikan kemudahan dalam melakukan transaksi bisnis dengan menggunakan beragam alat pembayaran seperti warkat kliring (Bilyet Giro/Cek), Kartu Bisnis Debit dan Business Internet Banking.

Revolving Loan

Short-term loan facility to finance your daily business needs, anticipate cash flow fluctuations and also unexpected costs. The withdrawal can be made in the form of check / crossed checks and Debit Business Card (with daily withdrawal limits).

Benefit:

  1. Competitive interest rate.
  2. Financing working capital that is structured and can be adjusted to business needs.
  3. Increase effectiveness cash flow of the business debtor's.

Term Loan

Providing investment credit facilities and working capital in the short, medium and long term with a loan term of up to 10 (ten) years. Loan payments are made using a fixed installment scheme every month.

Benefit:

  1. Competitive interest rate.
  2. Structured loan facilities to finance debtor investment and working capital needs.
  3. A long period of time up to 10 years to help the debtor's cash flow.