Working Capital Loan & Investment Loan : SMBC Indonesia

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Working Capital Loan & Investment Loan

Grow your business with us as we can support you with our range of corporate loan facilities. Whether you need a simple short-term financing to manage day-to-day operation or longer-term financing to fuel your project or business growth, our Relationship Managers are always ready to help you.

Investment Loan

Longer financing terms increase flexibility in maneuvering your capital expenditure cost, yet, minimize the immediate impact on operational cash flow. Either to purchase assets or equipment, SMBC Wholesale Banking is able to support you with medium to long term loan at competitive interest rates.

Working Capital Loan

We understand that covering the gaps in working capital to meet your cash flow requirement is essential for your business. At SMBC Wholesale Banking, we provides loan facilities in IDR, USD and JPY for corporate customers such as short-term financing and export-import related loan to support your day-to-day operational expenditure at competitive interest rates.

Market Risk
Risk of financial losses due to changes in market prices. In association with lending and borrowing activities, there are 2 (two) kind of market risks that may impact both Debtor and Creditor financial position:
1. Interest Rate Risk
  Risk that arise due to fluctuating interest rates. If debtors are paying floating interest rate for the loan, they are exposed to fluctuating interest rates which will impact to increasing amount of loan installment that needs to be paid.
2. Exchange Rate Risk
  Risk that arise from the fluctuations in value of one currency against another. Debtors are exposed to exchange rate risk if they have loan in foreign currency. If the valuation of the loan currency appreciates against its payment currency it will impact to the amount of loan installment or principle that needs to be paid.
Credit Risk
Risk of default on a debt that arises from a debtor fails to fulfill the obligation to pay interest installment or principle amount in accordance with the credit agreement. In this case, bank as Creditor have full rights to impose early termination of facility, demand full loan repayment and apply any fees and charges related to the early termination of the facility.

Product Information & Charges

For further inquiries and details, please contact your Relationship Manager (RM). We will be glad to support and assist you.

Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all SMBC Indonesia customers to grow and make a more meaningful life through our products and activities.

Erna Zurnimawati

"While being a customer of Bank SMBC Indonesia, I have been guided by the Daya team, starting from exhibitions, coaching, and many online and offline training sessions. I have also received orders from SMBC Indonesia itself"

Siti Rochanah

"I am able to manage my business finances and its online store as taught by Daya, and am often invited to participate in various exhibitions. The pinnacle of my achievement was being introduced to President Joko Widodo at an exhibition held by SMBC Indonesia, and my product, Iwaknyuzz, received an appreciation from him"

Adam Abdullah

"Through the Daya program, we also received capital support that helped us increase production capacity even further, through an easy and non-burdensome capital scheme. This business easily obtains adequate and measurable capital according to the capacity and ability of the business. We are grateful that WGB is now a market leader in the plus-size men's retail clothing business"

Agnes Sukenty Niken

“After receiving personalized coaching for 6 months from Daya SMBC Indonesia, starting from creating a business plan, ensuring the supply chain of raw materials, and scaling up the business itself. It turns out that running this business involves so many things that I had not previously thought. As of now, Ing Pawon's products are available in various modern retail outlets from Papua to Sumatra ”