HSBC Fusion - Unsecured Business Loan

HSBC Fusion - Unsecured Business Loan

HSBC Fusion

Unsecured Business Loan

Unsecured Loans of up to Rp 1 Billion.

Unsecured Business Loan

Unsecured Loans of up to Rp 1 Billion

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.

  • Loan limit starting from Rp 50 Mio up to Rp 1 Bio.
  • Loan tenure up to 3 years.
  • No collateral required.
  • Free credit live insurance
    HSBC Fusion Smart Protection is credit life insurance that provides protection against the risk of death to pay for customer loan facilities. Click for term and condition
  • The following are the types of loans:

    1. Revolving Loan

      Short term credit facilities structured to support debitor’s working capital needs. Liquidation of loan facility can be done repeatedly by using Letter of Agreement and attach supporting documents (if applicable).
      Liquidation of loan facility is allowed up to the limit agreed by the bank
      Benefit:

      • Competitive interest rate.
      • Financing of structure working capital and can be adjusted to the business needs
      • Optimize the cash flow for debitor’s business.

    2. Term Loan

      Disbursement of investment credit facility and short term working capital, medium, and long term with tenors of up to 3 years.

      Benefit:

      • Competitive Interest Rate
      • Structured loan facility to finance investment needs and debtor's working capital

Click here for Unsecured Loan Product and Service Information.

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
ID Card (KTP/Passport of debtor/spouse/shareholder) ✔ ✔
Birth certificate ✔ -
Death certificate from spouse (if any) ✔ -
Marriage/Divorce Certificate ✔ -
Family certificate ✔ -
Prenuptial agreement (if any) ✔ -
Last 3 months other bank statements ✔ ✔
Annual tax payment letter (SPT) ✔ -
Trade License (SIUP,TDP,SKDU) and equivalent ✔ ✔
Tax ID number (NPWP) ✔ ✔
Facility Data at Other Banks (if any) ✔ ✔
Certificate of collateral ✔ ✔
Article of Association - ✔
Company/ Group Profile - ✔
Feasibility Study/Cashflow Projection (if any) - ✔
Last 3 years financial statement - ✔
List of Supplier/ buyer/ stock - ✔
Working Contract/SPK (if any) - ✔
Fee Type Revolving Loan Terms Loan
Facility Provision Fee 2% p.a. Tenor 1 Year: 2% flat
Tenor 2 Year: 2.5% flat
Tenor 3 Year: 3% flat
Administration Fee Rp 1.000.000
Late Payment Fee 1% from usage of facility 2% of the total late payment amount
Partial Payment Fee N/A 2% of total partial payment
Penalty Fee for Pre-payment of Loan (Including Takeover) 3% from loan limit Remaining Tenor:
2 ≤ 3 tahun: 5%*
1 ≤ 2 tahun: 4%*
≤ 1 tahun: 3%*
*from remaining loan amount
Custodian Fee N/A
Taxation Fee N/A
Notarial Fee N/A
General Insurance N/A

Calculate your loan needs

Apply Now

Apply now

Does your business:

  • Operate in Indonesia?
  • Have annual sales up to Rp 50 Billion

If yes, you are eligible to join us

Begin your HSBC Fusion experience

Please contact our HSBC Fusion Contact Center:

1-500-501

Operational hours 08:00 - 17:00.
Every Monday to Friday (except weekends/public holidays).