Invoice Financing

Especially for MSME entrepreneurs who are business entities, KBFMF is ready to help develop your business starting from 50 million through Invoice Financing (Factoring) with competitive interest.

A. Key Features
Especially for MSME entrepreneurs with business entities, KBFMF is ready to help develop your business through Invoice Financing (Factoring) with competitive interest. KB FMF always believes that our business growth is in line with your business growth. We design loan products for business entities that can support your business development. In addition to providing convenience in achieving your business goals, KB FMF is ready to provide loans with affordable interest rates through Invoice Financing / Factoring.

In general, Invoice Financing/Factoring is a financing business in the form of purchasing or transferring as well as managing receivables or short-term bills of a company from transactions that have TOP (terms of payment). With Invoice Financing, your business or business can still run well and the financial flow can return smoothly. While invoices have not been paid, SMEs can still pursue other projects with working capital borrowed using Invoice Financing. With that, opportunity costs can be reduced and SMEs can develop further.

B. Benefits

1. Obtaining funds for working capital by selling Receivables.
2. Your business or business can still run well and the financial flow can return smoothly.
3. Can continue to pursue other projects with working capital borrowed using Invoice
4. Financing while the invoice has not been paid.
5. Reducing opportunity cost and can develop SMEs.

C. Terms of Financing:

1. Funding Range: minimum IDR 50 Million.
2. Term (tenor) of financing: 1 to 6 months.
3. Interest from 1% flat per month*.
   *Interest rates may change at any time according to the applicable Company policy.

D. Requirements and Procedures:

1. The consumer is in the form of a business entity and has been running a business for at least 2 years.
2. Have collateral in the form of land / building certificates.
3. Have legality documents such as: Deed of establishment, Deed of AD amendment, Domicile Decree, NIB, Business Permit, KTP & NPWP, as well as financial reports for the last 3 years.
4. Complete other required documents.

E. Risk

1. Imposition of late fees if there is a delay in payment.
2. Penalty if accelerating payment.
3. A history of bad credit is recorded at SLIK OJK, if you don't make payments for up to 180 days.

F. Additional Information
Not all of our Branch Offices serve the above Financing Products, for further information please contact our Customer Service at (021) 1500605.

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