This month of Ramadan is perfect for those who want to open a business, especially a home business. You can sell a variety of treats and side dishes to break the fast. Confused with capital? Quiet man, you can apply for a Bank Loan for your venture capital!
Capital is the most important thing to start a business. Many people want to have a business, but that desire is often not realized because of capital constraints. The capital to start a business depends on what type of business you want to run. But not all businesses need to have big capital, dude!
Well, if you want to have a business but are hindered by capital difficulties. Applying for a loan can be the perfect solution to realize your business. But don’t opt for a loan for venture capital either! If something goes wrong you can get into debt with a flicker of interest.
Self-Loan Bank for Business Capital
Bank Good Finance provides a number of loan products suitable for those of you who want to start a business, or for those of you who have started a business but need the capital to grow your business. Here are Bank Good Finance’s loan products, including:
The first loan product from the Independent Bank is Selfless Credit (Good Credit Self). Self-Loan Good Credit is a loan provided by Bank Good Finance without a guarantee and can be used to meet your needs. If you want to apply for a self-employed Good Credit loan, you can use it for your business.
This Self-Loan Good Credit loan is perfect for employees who have a monthly income. Because the terms of this loan should have a minimum income. The loan plan is up to $ 200 million with a maximum of three years for employees whose pay is paid in addition to using the Bank. Well, if your payroll is paid using Bank Good Finance, you can get up to five years.
Micro Multipurpose Self
To help micro-entrepreneurs, Bank Good Finance offers Micro Multipurpose Self. If you want to make a chicken farm business can also be funded with this loan. However, just like the Independent Good Credit, there are terms of service status for its borrowers. So, if you want to apply for this loan you have to apply for this $ 50 credit limit. The maximum tenor is 36 months. The interest rate is 19.25 percent per year.
Self-Employed Good Credit
This standalone Self-Employed Good Credit is for employees whose pay is paid through Bank Good Finance and the company that has a joint venture agreement with Good Finance. So, if you pay your loan through Bank Good Finance no doubt the loan disbursement process will be easier. But you also have to work for at least a year at the company.
Partner Work Bank loan of up to $ 200 million with a maximum tenor of five years. But if the company has a special program with Self, it can lend up to USD350 million in 10 years. Interest rates are 17.52 percent per year. The above three types of loans are ideal for employers looking to become entrepreneurs. Or you want to work while running a side business.
Working Capital Credit
For those who want a bigger loan, you can apply for a Self-Employed Capital Credit. A maximum of $ 100 is offered, and a minimum of $ 100. It’s only a year, but you can extend it.
Just like Micro Business Credit, a business license is required as a condition. From the above explanation, this type of loan for Bank Good Finance business is divided into two main categories, for those of you who are new and already in business. However, there is a further subdivision of each loan, depending on the requirements and conditions. Just look at what suits your circumstances.
If your business is successful, you will not be able to access the Self-Employed Capital Credit. Well, when it comes to interest rates, Bank Good Finance has its own policy for each loan. Credit interest rates for businesses that have not been published yet. To be sure, Good Finance states the interest rates are competitive and complies with Bank Indonesia’s terms.
How To Loan Money In Bank Good Finance
Basically how to borrow money at Bank Good Finance you can do it through several stages. Here are the general procedures for applying for a loan at Bank Good Finance directly, including:
Define Loan Products
First, you decide on the type of self-financing bank loan that suits your needs before you decide to apply for a loan. If you want to apply for an unsecured loan then you have to choose the Self Employed Good Credit service. In the meantime, if you apply for a home and home loan guarantee you can choose Multipurpose Credit.
Visit the Bank’s Self-Service Office
You can start visiting the service office either Business Partner’s Office, Branch Office, or Assistant Branch. When picking up a queue number make sure you pick a queue for Customer Service, and then you can explain your purpose and destination there.
Apply for a Credit Application
Applying for a Bankruptcy Loan application can begin by filling out the application form, completing the requirements, and submitting the application to your bank officer. In order for your credit application to be approved quickly before handing it over to the clerk, it’s a good idea to make sure that the data and information you fill out first. Start with personal information, work, and more. And check back all the necessary files like ID, ID, Family Card, and more.
Pending Verification and Approval
Once you have applied for a loan, you will need to wait for verification and approval. This can take between 7 and 14 days depending on the bank. For the verification process to work, make sure the contacts you fill out on the submission form sheet are valid and contactable.
If your loan application is rejected, you have no chance of getting any funds. On the other hand, if your application is approved, the bank officer will then be informed of the loan through your bank account.