Product & Service

Are you looking for a flexible loan solution for your working capital needs?
The Overdraft Loan (PRK) is the answer! Enjoy the freedom to manage your business cash flow with loan funds that you can access anytime according to your needs, without needing confirmation from the bank.

Key Features:

• Withdraw funds anytime up to the given limit through Checks, Giro Bills, or Internet Banking.
• Principal and interest payments are based on actual usage, so you only pay interest on the balance used.
• PRK has a loan tenor of up to 12 months that can be extended according to your business needs.

Benefits of Overdraft Loan:

• You can adjust fund withdrawals according to fluctuating business needs, allowing for better cash flow management.
• Interest is only calculated on the loan funds used, providing relief in loan management.
• Enjoy the ease of withdrawing funds directly from your account through our digital platform.

General Requirements:

• The debtor is an Indonesian citizen aged a minimum of 21 years and a maximum of 65 years at the end of the loan term, or 18 years (if married).
• The debtor can be an individual (entrepreneur, professional/employee) or a company (PT/CV/Firma, including cooperative forms).

• Loan limits by business segment:
  
  - Micro: Minimum IDR 25 million and maximum IDR 3 billion
  
  - SME: Minimum IDR 500 million and maximum IDR 25 billion

• Must have collateral*.

Don’t let your business be hindered! Apply for a Overdarft Loan (PRK) now and enjoy flexibility in managing your business finances.

*For acceptable collateral, please refer to the Product and Service Information Summary – Overdarft Loan (PRK).

Summary of Product Information and Service – Overdraft Loan