Supply Chain Financing (SCF) is a service by Bank Sinarmas for working capital financing to business chains in the context of providing goods/services supply from suppliers (principals/distributors) to buyers (customers/outlets) with collateral which can be in the form of Fixed Assets, Deposits, Facility-Typed Stock Items: Demand Loans and Current Account Loans
Supply chain financing facilities from Sinarmas Bank provide various facilities and certainty for you to do business.
|Loan Types||Demand Loans or Current Account Loans|
|Purpose of facility||Working capital for purchasing stock of goods from distributors|
|Debtors||Retail outlets/agents/dealers (buyers)/distributor partners/principals (suppliers)|
|Credit Disbursement||100% of the value of the purchase of the stock (nominal order)|
|Loan Ceiling||A maximum of twice the purchase value per month (average expenditure)|
|Term||12 months (renewed every one year)|
|Interest Calculation||Interest charges are calculated daily only from the limit used|
For the SCF/DF financing program, the parties involved here are only distributors/suppliers who have already collaborated (signed an MoU) with Bank Sinarmas
In the SCF/DF financing, the BANK will provide working capital in the form of financing for expenditures worth of nominal invoices/invoices by BUYERS/CUSTOMERS. The BANK will then pay in advance to PRINCIPALS/SUPPLIERS.
In general, it does not change the pattern of the existing business/transactions. The BANK party will, as far as possible, adjust the conditions and order mechanism or the existing billing pattern between SUPPLIERS and BUYERS
The types of businesses that are in accordance with the SCF financing scheme are those having a continuous/recurring transaction mechanism for selling goods (selling/buying) and require good cash flow and supplies so that the shipping and billing processes are going well.