Working Capital Loan | Universal BPR

Working capital loan to support your business growth, featuring a credit ceiling system with monthly interest-only payments.

Benefit

Fast Process — 5 Working Days

The application process is easy and convenient — apply online and we can collect your documents, ensuring fast disbursement of your funds.

Easy & Flexible Requirements

Simple and straightforward requirements to get your loan approved quickly.

Safe & Trusted

Managed by a professional team, Universal BPR is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) & Bank Indonesia, and is a participant in the Deposit Insurance Corporation (Lembaga Penjamin Simpanan/LPS) deposit insurance program.

Features

Credit Limit up to IDR 80 Billion, with financing up to 70% of the collateral's market value.
Types of Collateral:
- Land & Building Ownership Certificates (SHM/SHGB) for houses, shophouses (ruko), and commercial residences (rukan).
- Vacant land and vehicle ownership (BPKB) as additional collateral.
Facilities:
- Take-over: Transfer your mortgage from another bank.
- Top-up: Increase your credit limit.
Payment System:
- Installments can be paid conveniently via autodebit.
- Interest and principal are paid monthly on a scheduled date, with full repayment at maturity.
Protection:
Includes life insurance and fire insurance coverage.

Terms and Conditions

Eligible Customers:
- Permanent Employees
- Entrepreneurs (Self-Employed)
- Business Entities
*Up to 55 years old (productive age)
We recommend that prospective customers prepare the necessary documents in advance to help our team complete the pickup and loan application process efficiently.

View Product and Service Summary

Here is the list of required documents for a working capital loan application:

No	Dokuments	Employee	Professionals	Self-Employed	Company
1	Copy of National ID (KTP) — valid for both husband and wife	✓	✓	✓	✓
2	Copy of Family Card (KK)	✓	✓	✓	✓
3	Copy of Marriage Certificate from Civil Registry / Divorce Decree from Court / Death Certificate	✓	✓	✓	✓
4	Copy of NPWP (Tax ID)	✓	✓	✓	✓
5	Deed of Establishment				✓
6	Business Identification Number (NIB) / Trading Business License (SIUP) / Certificate of Business (SKU)		✓	✓	✓
7	Balance Sheet / Income Statement / Financial Report			✓	✓
8	Copy of Financial Records		✓	✓	✓
9	Copy of Bank Statement / Savings Account (last 3 months)	✓	✓	✓	✓
10	Latest Salary Slip	✓	✓
11	Copy of Employment Certificate	✓	✓
12	Copy of Appointment Letter		✓
13	Copy of Practice License / Work Permit		✓
14	Copy of Professional Membership Certificate		✓
15	Recommendation Letter from Employer		✓		✓
16	Copy of Electricity / Water / Token / Phone Bill	✓	✓	✓	✓
17	Copy of Land/Building Ownership Certificate (SHM/SHGB)	✓	✓	✓	✓
18	Copy of Building Permit (IMB)	✓	✓	✓	✓
19	Copy of Land and Building Tax (PBB) Receipt	✓	✓	✓	✓
20	Copy of Loan History from Other Banks (if applying for a take-over)	✓	✓	✓	✓