Halaman HSBC Fusion - Secured Business Loan

HSBC Fusion - Secured Business Loan

HSBC Fusion

Secured Business Loan

Loans for your working capital needs of
up to Rp 20 Billon.

Secured Business Loan

Loans up to Rp 20 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 500 Mio up to Rp 20 Bio.
  • Loan tenure up to 10 years.
  • Credit live insurance protection
    Credit life insurance provides protection against the risk of death to pay for customer loan facilities. Click for term and condition
  • Collateral:
    • Land and / or Buildings, including: House / Apartment / Shop office / Shop house
      Shop office / Shop house
    • Time Deposit (Cash Collateral)
    • Government Securities / Bonds
  • The following are the types of loans:

    1. 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:

      • Competitive interest rate.
      • Flexible loan withdrawal and payments.
      • Provides convenience in conducting business transactions using a variety of payment instruments such as clearing documents (Bilyet Giro / Checks), Business Debit Card and Business Internet Banking.

    2. 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.

    3. Term Loan

      Disbursement of investment credit facility and short term working capital, medium, and long term with tenors of up to 10 years.

      Benefit:

      • Competitive interest rate.
      • Structured loan facility to finance investment needs and debtor's working capital

Click here for Secured Loan product and services 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) - ✔

Loans fees

Fee Type Overdraft and Revolving Loan Terms Loan
Facility Provision Fee Rp 0-2 Billion: 1% p.a.
< Rp 2 Billion: 0.5% p.a. 		Tenor 1-3 Year: 1% flat
Tenor > 3 Years: 2% flat
Administration Fee ≤ 1 Billion: Rp 1.000.000
Rp 1-2 Billion: Rp 2.000.000
Rp 2-5 Billion: Rp 3.500.000
> Rp 5 Billion: Rp 5.000.000
Late Payment Fee 2% of total late payment amount
Partial Payment Fee N/A 2% of total partial payment
Penalty Fee for Pre-payment of Loan (Including Takeover) 2% of total remaining loan amount 2% of total remaining loan amount
Custodian Fee Rp 300.000 per Debitur/Year Rp 300.000 per Debitur
Taxation Fee According to appraisal fee from bank appraisal partner
Notarial Fee According to notarial fee from bank notarial partner
General Insurance According to General Insurance Fee from bank Insurance partner

Calculate your loan needs

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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).