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.
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Distributor Financing
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Benefits for Principals
- Certainty in receiving payment (based on invoices)
- Maintained cash flow
- Focus on Business
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Benefits for Distributors
- Working Capital for purchase of goods to Principals
- Certainty in the supply of goods from Principals
- A more flexible payment term
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Supplier Financing
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Benefits for Suppliers
- Certainty in payment
- Efficiency in billing operational time
- Maintained cash flow
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Retailer Financing
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Benefits for Suppliers
- Certainty in the supply of goods
- A more flexible payment term
- Financing up to 100% of the invoice value
| 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) |
| General Criteria | - Clear Checking by Bank of Indonesia (BI)
- Business established for a minimum of one year (privately owned/settled business)
- Recommended by a distributor/principal/supplier
|
| 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 |
| Legal Documents |
- A copy of Indonesian identity card (KTP) of husband/wife
- Tax identification number (NPWP)
- Family Card
- Marriage certificate/deed of ownership
- Business License
|
| Financial Documents |
- Sales and Costs Report
- Financial Statements (last 3 years)
- Current account/savings account (last 3 months)
|
| Other Documents |
- Business Development
- Data of Customers and Suppliers
- List of Stock of Goods
|
| Legal Documents |
- A copy of Indonesian identity card (KTP) of husband/wife
- Tax identification number (NPWP)
- Family Card
- Marriage certificate/deed of ownership
- Business License
|
| Financial Documents |
- Sales and Costs Report
- Financial Statements (last 3 years)
- Current account/savings account (last 3 months)
|
| Other Documents |
- Business Development
- Data of Customers and Suppliers
- List of Stock of Goods
|
Can the SCF/DF financing program be accessed by customers who need working capital directly?
For the SCF/DF financing program, the parties involved here are only distributors/suppliers who have already collaborated (signed an MoU) with Bank Sinarmas
What does the SCF/DF financing program/scheme look like?
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.
Will the SCF/DF financing program affect the existing business patterns?
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
What types of business transactions are in accordance with this SCF financing program?
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.
Transaksi Sehari Hari
Export Import
Foreign Exchange Transaction
Business Loan
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