— Bank Raya

Pinang Maksima

Maximize your business potential with a working capital loan

Working capital loans to keep your business running at its best

More Details Simulate Now

Pinang Maksima

Maximize your business potential with a working capital loan

Working capital loans to keep your business running at its best

More Details Simulate Now

Why choose Pinang Maksima?

The benefits you'll receive when using Pinang Maksima

Loans of up to IDR 10 billion to make your business more productive

Affordable installments with competitive interest rates for business growth

You can apply for recurring loans to maximize your business needs

There are various loan products tailored to your business needs, including: Project Financing, Distributor Financing, and Financing

How to apply for Pinang Maksima?

Visit the nearest Bank Raya Community Branch or contact Sapa Raya

Completing the loan requirement documents

Application and verification process

Congratulations! You've successfully disbursed the loan

What are the requirements?

Individual business

Running an active business for a minimum of 24 months

ID card, Family Card, Tax Identification Number (NPWP), Marriage Certificate/Divorce Certificate/Single Status Certificate

NIB/SIUP, TDP, SITU/SKDP

Bank statement for the last 6 months and financial reports for the last 3 months

Business entity

Running an active business for a minimum of 24 months

Company establishment deed and the latest amendment deed

NIB/SIUP, TDP, SITU/SKDP dan SK Kemenkumham (According to the deed)

Company Tax Identification Number (NPWP)

ID card and Tax Identification Number (NPWP) of the company management

Bank statement for the last 6 months and financial reports for the last 3 periods

Invoice
Financing
Contract
Financing

Invoice Amount

Invoice amount range between Rp100.000.000 - Rp10.000.000.000

Contract/Project Amount*

Contract amount range between Rp100.000.000 - Rp10.000.000.000

Down Payment from contract

The mandatory Down Payment as per the clause of the financed Work Contract

Invoice Payment Period

Maximum period up to 360 days

Maximum loan disbursement

Rp 0

Berdasarkan nilai kontrak kerja setelah memperhitungkan PPN 11%, Margin 10%, dan Uang Muka**

Total Loan**

Rp 0

More Details

Loan Principal

Rp 0

Down Payment (15% p.a)

Rp 0

to be paid before disbursement

Simulasi berikut merupakan simulasi untuk kontrak kerja yang bersifat lumpsum tanpa termin dalam clausula kontrak kerja atau SPK
The total loan amount is determined based on the contract period. In the event of payment delays, penalties will be applied according to the Bank's terms and conditions
The simulation is for estimation only and subject to change in accordance with the terms and conditions applied.

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