Invoice Financing

Solutions to Your Fund Needs

A. Key Features
For small and medium enterprises (SMEs) with legal business entities, KB Finansia Multi Finance (KB FMF) is committed to supporting your business growth through Invoice Financing (Factoring) with competitive interest rates. We believe that our business growth aligns with yours. Therefore, we have designed a financing product that helps expand your business while providing easy access to funds at affordable interest rates.

In general, Invoice Financing (Factoring) is a financing solution that involves the purchase, transfer, and management of short-term receivables or invoices based on Terms of Payment (TOP). With Invoice Financing, your business can continue to operate smoothly, ensuring a steady cash flow.

While waiting for invoices to be paid, SMEs can still pursue other projects using working capital obtained through Invoice Financing. This helps reduce opportunity costs, allowing businesses to expand further.

B. Benefits

Obtain working capital by selling receivables.
Ensure smoother cash flow for uninterrupted business operations.
Continue securing new projects while awaiting invoice payments.
Reduce opportunity costs and enhance business growth potential.

C. Financing Terms

Financing range: Minimum IDR 50 million.
Financing term (tenure): 1–6 months.
Interest rate starting from 1% flat per month.*

%Interest rates are subject to change based on company policy.

D. Requirements and Procedures

The applicant must be a legal business entity that has been operating for at least 2 years.
Must provide collateral in the form of land or building certificates.
Must possess the following legal documents:
- Deed of Establishment
- Articles of Association Amendment Deed
- Domicile Certificate
- Business Identification Number (NIB)
- Business License
- National ID (KTP) and Taxpayer ID (NPWP)
- Financial statements for the past 3 years
- Complete all additional required documents.

E. Risks

Late payment penalties will apply for overdue payments.
Prepayment penalties may apply for early loan repayment.
Credit history will be marked as delinquent in the Financial Services Authority (OJK) Credit Information System (SLIK OJK) if payments are overdue for 180 days.

F. Fees
The financing includes provision fees, credit insurance, and collateral registration fees, as per applicable regulations.

G. Additional Information
Not all of our branch offices provide this financing product. For further details, please contact our Customer Service at Contact Center: (021) 1500605.

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