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  • Working Capital Loan
  • Investment Credit
  • Credit Supply Chain
  • KKLK
  • BNI Wirausaha (BWU)
  • Kredit Usaha Rakyat
  • Two Step Loan
  • Two Step Loan - IEPC 2
  • Kredit Beragun Deposito
    Berjangka

Working Capital Loan

BNI always strives to help the growth of your business, by providing capital loans that can improve your business.

The advantages of BNI’s Working Capital Loan :

  • Applicable for a variety of needs, such as a Working Capital Loan for industry, transportation, hospitality, construction, etc.
  • Competitive interest rates.
  • Ease of credit disbursement and other transactions supported by BNI networks available throughout Indonesia.

Requirements :

  • Complete permits/business legality that is still valid according to its line of business.
  • The business has been operational for at least 2 (two) years for the medium business segment and 3 (three) years for cooperatives.

For further information about our products, please contact BNI Call 1500046.

*Other data/requirements depend on the credit process needs.

Investment Credit

BNI understands that the growth of your business is related to investments that you make. The solution BNI would like to provide is Investment Credit, which is defined as medium or long-term loans to complete your company’s investments.

Advantages of BNI’s Investment Credit :

  • It can be utilized for the purchase of capital goods and services which are required to establish new projects, current project expansions, modernization, rehabilitation, project relocations or refinancing goods that have been paid for in advance.
  • The credit time limit can be adjusted according to the business ability of the customer.
  • Competitive interest rates.
  • Credit liquidation advantages and other transactions, supported by BNI’s nationwide network.

Requirements :

  • Complete permits/business legality that is still valid according to its line of business.
  • The business has been operational for at least 2 (two) years for the medium business segment and 3 (three) years for cooperatives.

For further information about our products, please contact BNI Call 1500046.

*Other data/requirements depend on the credit process needs.

Credit Supply Chain

As evidence of BNI’s support towards the growth of financial institutions in Indonesia, BNI provides payment solutions in the form of Loans to Financial Institutions (KKLK). Loans to Financial Institutions (KKLK) are credit facilities provided to or through Financial Institutions to be loaned to end users, which are completed through strategic alliances (cooperation).

Advantages :

  • BNI networks available throughout Indonesia.
  • Competitive interest rates with a system of effective interest calculations, annuities or flat.

Requirements :

  • Complete permits/business legality that is still valid according to its line of business.
  • The business has been commercially operational for at least 3 (three) years.

For further information about our products, please contact BNI Call 1500046.

*Other data/requirements depend on the credit process needs.

Kredit Kepada Lembaga Keuangan (KKLK)

As evidence of BNI’s support towards the growth of financial institutions in Indonesia, BNI provides payment solutions in the form of Loans to Financial Institutions (KKLK). Loans to Financial Institutions (KKLK) are credit facilities provided to or through Financial Institutions to be loaned to end users, which are completed through strategic alliances (cooperation).

Advantages :

  • BNI networks available throughout Indonesia.
  • Competitive interest rates with a system of effective interest calculations, annuities or flat.

Requirements* :

  • Complete permits/business legality that is still valid according to its line of business.
  • The business has been commercially operational for at least 3 (three) years.

For further information about our products, please contact BNI Call 1500046.

* Other data/requirements depend on the credit process needs.

BNI Wirausaha (BWU)

Bagi Anda pengusaha yang memerlukan kredit investasi maupun kredit modal kerja yang fleksibel untuk mengembangkan usaha Anda, ajukan BNI Wirausaha sekarang juga kredit dari BNI untuk usaha kecil dengan fasilitas kredit Rp 50 juta hingga Rp 1 Milyar. BNI Wirausaha mendukung usaha Anda lewat pemberian kredit usaha produktif kepada perorangan maupun badan hukum, yang meliputi seluruh sektor ekonomi yang layak dibiayai.

Keunggulan BNI Wirausaha (BWU) :

  • Proses cepat dan persyaratan mudah
  • Jangka waktu kredit lebih panjang hingga 10 tahun
  • Suku bunga kompetitif
  • Pembayaran angsuran fleksibel
  • Batas kredit maksimal hingga Rp 1 miliar
  • Dapat take over kredit dari bank lain
  • Persyaratan :

    • Warga Negara Indonesia (WNI)
    • Usaha telah berjalan minimal 1 tahun
    • Usia Minimal 21 tahun (atau telah menikah)

    Untuk keterangan lebih lanjut mengenai produk-produk kami, Anda dapat menghubungi BNI Call 1500046 atau dapat di akses melalui eform.bni.co.id

    *Data/persyaratan lainnya sesuai kebutuhan proses kredit.

    Kredit Usaha Rakyat (KUR)

    BNI KUR

    BNI is able to provide loans towards your feasible but not yet bankable business. The solution is by providing Small Loans, which can be provided to potential Micro, Small, Mid-Sized and Cooperative (UMKMK) Business debtors, business groups, and Linkage Institutions.

    Advantages :

    • Simple/speedy credit process.
    • It can be utilized to add towards the business capital and investment credit.
    • BNI networks available throughout Indonesia.

    Requirements* :

    • Not currently receiving credit from other banks and/or the government.
    • At least 1 (one) year business experience.
    • Complete permits/business legality that is still valid according to its line of business. For credit requests up to Rp. 150.000.000, only a business certificate issued by the local village is required.

    For further information about our products, please contact BNI Call 1500046.

    * Other data/requirements depend on the credit process needs.

    Two Step Loan

    BNI understands the need for investment financing for industrial projects owned either by private, governmental or PMA/joint venture enterprises whose produce is in the form of exportable and/or non-exportable commodities. BNI offers a Two Step Loan solution that can be used to finance investments in production facilities, processing facilities, support facilities for new projects, expansions, modernization or even rehabilitation.

    Advantages :

    • The credit time limit can be adjusted according to the business ability of the customer.
    • Competitive interest rates.
    • BNI networks available throughout Indonesia.

    Requirements* :

    • Complete permits/business legality that is still valid according to its line of business.
    • The business has been operational for at least 2 (two) years for the medium business segment and 3 (three) years for cooperatives.
    • Other requirements are tailored to the TSL type.

    For further information about our products, please contact BNI Call 1500046.

    * Other data/requirements depend on the credit process needs.

    Two Step Loan - IEPC 2

    Is your business orientated towards an efficient and environmentally friendly industry and is in need of financing? BNI offers a financing solution through the Two Step Loan – IEPC 2 scheme which provides investment credit and working capital towards small and mid-sized businesses in order to finance businesses which are orientated towards the industry’s efficiency and an environmental friendly production system.

    Advantages :

    • Can be provided to individuals, small business groups, cooperatives or entities that are planning investments in environmental equipment purchases and working capital that is related to the investment.
    • Competitive interest rates.
    • BNI networks available throughout Indonesia.

    Requirements* :

    • Complete permits/business legality that is still valid according to its line of business.
    • The business has been operational for at least 2 (two) years for the medium business segment and 3 (three) years for cooperatives.

    For further information about our products, please contact BNI Call 1500046.

    * Other data/requirements depend on the credit process needs.

    Kredit Beragun Deposito Berjangka

    Are you currently in urgent need of funds to expand your business? BNI offers a solution in the form of Deposit Backed Loans which is a credit facility provided to entities that are regulated by law (except for foundations or cooperatives) with collateral only in the form of time deposits.

    Advantages:

    • Helps companies (deposit holders) receive credit without having to liquefy their deposit.
    • Can be used for all purposes (free use).
    • BNI networks available throughout Indonesia.

    Requirements* :

    • Guaranteed deposits are as follows:
    • Deposits (with the same currency) on behalf of the applicant, owner or manager of the company or enterprise groups.

    For further information about our products, please contact BNI Call 1500046.

    * Other data/requirements depend on the credit process needs.