Tips How To Search Export Credit

October 05, 2009

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If you have plan to do the export activities, you should already have a legal entity. Whether in the form of a limited Perseroan Terbatas (PT), cooperatives, private businesses, as well as other legal forms. With this legal entity, you must have a business license from the completeness of Trading License (SIUP), TDP or NPWP.

The existence of this legality will encourage you to manage your business more professional and easier to build cooperation with other parties or agencies. So, if you need capital support from banks or other financial institutions. Legality is also support your export activities.

Letter of Credit (L / C) documents that you have received from the buyer can also be used for capital support, particularly to pursue the target buyers order. Moreover, the buyer generally only provide a deposit about 30 to 50 percent of the value of order. So, if you do not have capital, you can guarantee the document L / C to the bank.

However, to obtain additional capital from the bank is not easy. Entails the addition of equivalent collateral, banks are also very concerned about the health of good corporate management, accounting, and financial condition aspect. If your business, including small medium enterprise (SMEs), you can visit the Bank's government.

A number of private bank such as Bank Mandiri, BNI, Bank Niaga and BRI also opened a special service for Small and Medium Enterprises (SMEs). To get a comparison of small business loans types in the bank, you can also request information about the Partnership Program and Community Development (PKBL).

Provisions requirements, application procedures and funding of loans to the banking PKBL not different from non-state-owned banks. Interest loans to low PKBL program is between 6 to 12 percent per year.

PKBL program also does not require security, especially for a maximum loan ceiling of Rp 10 million. However, this provision for any state-owned banks vary depending on individual policies.

As for the request process is no different from obtaining Small Enterprise Credit loans that commercial bank rate . Especially when we already have evidence of order, either in the form of purchase order (PO) or L / C. (source: Jurus Menembus Pasar Ekspor Book)