Business Loan

Business Loan

 Supply Chain Finance
Short-term Credit That Optimizes Working Capital For Both The Buyer And The Seller

Invoice Factoring
A form of asset-based financing and is the process of selling supplier’s accounts receivables in order to obtain immediatecash payment of the accounts before their actual due date.

Loan term 1 to 9 months

Loan amount maximum 90% x invoice value or IDR 1 billion

No additional collateral required, only combination of the supplier’s balance sheet, credit risk evaluation & score report, relationship

Credit insurance/ guarantee (if necessary)

The supplier must be ‘invited’ by the quality buyer to join their chain and participate in the program

Seller benefits:
Competitive Gestures; Offer Buyer 30-90 days Trade Credit;Increase Sales Capacity;Allow to Borrow Greater Amounts at Lower Costs

Loan underlying:
Sales Transaction;Information-based Lending;Trade/Credit History Performance

Since the buyer postings the receivables (not the sellers) to the IPasar ClearingB2B, the seller cannot submit fraudulent receivables. In addition, since the participating lenders is paid directly by the buyer, suppliers cannot embezzle the proceeds

Loan underwriting:
Credit Risk Evaluation & Score Report;All approved loans become what’s known as ‘loan parts’;Loans offered to Participating Lenders

Buyer benefits:
Extended Cashflow;Increase Production Capacity;Improve Reputation and Relationship with Suppliers

Since participating in the program, the buyer has increased the maturity of its payables from 30 to 60 - 90 days. The buyer is pleased that the program has reduced its own cash management costs and helped develop more loyal and reliable suppliers

       

Step 1:
Invoice/tagihan

 

Step 2:
Menerima pembiayaan

 

Step 3:
Pembayaran dari pelanggan

Kirim invoice/tagihan ke pelanggan Anda setelah pengiriman barang

 

Kami membiayaisebesar persentase yang disepakati dari nilai tagihan kepada Anda dalam waktu 24 jam, dikurangi biaya layanan kami

 

Persentase sisa dari nilai tagihan dikembalikan kepada Anda setelah pembayaran dari pelanggan

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Purchase Order Financing
Short-term credit that provides capital for supplier (to pay vendors upfront)to buy raw materialsto complete the new order, allows supplier to take on bigger orders. The supplier will factor its receivables to the lender when its goods are delivered.

Loan term 1 to 9 months
Loan amount maximum 50% x purchase order value or IDR 1 billion
No additional collateral required, only combination of the supplier’s balance sheet, credit risk evaluation & score report, relationship
Credit insurance/ guarantee (if necessary)

To get financing for the purchase to the vendor to fill customer orders, the would-be borrower must first receive one or more purchase orders from the customers. All the transactions are verified by IPasar or other organized marketplaces

Organization benefits:
Meringankan beban perusahaan membayar dimuka untuk membeli bahan baku untuk produksi atau barang untuk diserahkan guna memenuhi pesanan pelanggan

       

Step 1:
Pembelian

 

Step 2:
Pembayaran ke Pemasok

 

Step 3:
Invoice/tagihan di anjak-piutangkan

Order dari pemasok Anda yang meminta pembayaran pada saat pengiriman

 

Pembayaran dilakukan ke pemasok setelah Anda menerima barang atau dokumentasi yang disepakati

 

Barang dikirim kepada Anda atau langsung ke konsumen akhir Anda, tergantung pada kebutuhan

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Warehouse Receipt Finance
Allows the use of certified goods or commodities as the primary collateral for the loans.

Loan term 1 to 9 months
Loan amount max. 70% x warehouse receipt value or IDR 1 billion
No additional collateral required, only combination of the supplier’s balance sheet, credit risk evaluation & score report, relationship and the warehouse receipt validated by verified warehouse operator
Credit insurance/ guarantee (if necessary)

Organization benefits:
Offers organizations to obtain financing to build up the stock or to farmers who want to store their produce in the warehouse to avoid a distress sale immediately.

       

Step 1:
Persediaan barang atau tunda jual

 

Step 2:
Menerima Pembiayaan

 

Step 3:
Invoice/tagihan di anjak-piutangkan

Kirim WR/Resi Gudang Anda ke kami untuk pembiayaan modal kerja

 

Kami membiayaisebesar persentase yang disepakati dari nilai WR/Resi Gudang kepada Anda dalam waktu 24 jam, dikurangi biaya layanan kami

 

Barang dikirim kepada Anda atau langsung ke konsumen akhir Anda, tergantung pada kebutuhan

see details >>

Farmer Loans
Farm Loan Programs - Serving Family Farmers.Cultivating Opportunities.

Increase the availability of loans to farmers to establish, improve and develop farms, while agricultural co-operatives may also access loans to process, distribute, or market the products of farming.

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Customer Credit
Greater flexibility for financing any purchase

In Indonesia, about 50 million consumers are potentially suitable borrowers but most creditworthy borrowers have traditionally lacked access to consumer credits because they have no credit history on file, andIPasar ClearingB2B which runs a credit-scoring system that analyzes user activity and feedback on the e-commerce marketplaces and incooperation with multi bank and multi finance company and Koperasi Selaras Artamara to provide micro loans to people without a credit history.

Loan sizes start at IDR 5,000,000.00 to IDR 100,000,000.00. As repeat borrowers build their credit histories, they can apply for larger loans. And the purpose of the loan is to purchase goods in the IPasar wholesale marketplace platform that automatically scores their creditworthiness based on loans made over its platform.

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Financing Service Charge
IPasar ClearingB2Bcharge a service feeof financing. The amount ofthe service feeis determinedby the class offinancingandthe time periodoutlined below: