Loan Limit of up to IDR 500 Million for ESB user with KTA CASHBIZ

2 Sep 2024 - 2 Sep 2025

Esensi Solusi Buana or ESB is a technology company that provides cloud-based software that is useful in F&B business operations.


Special unsecured INVESTMENT CREDIT loan for business development for ESB users

  • Loan limit up to IDR 500 Million
  • Installment up to 36x
  • Interest starts from 0.99%
  • Provision
    Tenor Provision Fee
    1 year 1,00%
    2 years 1,50%
    >3 years 2,00%

Terms and conditions for applying for a loan limit:

  • Valid for individual customers and business entities (PT/CV/Firm/Cooperative/Individual Company).
  • Minimum business duration of 2 years with a minimum average net income of IDR 8 million / month.
  • Valid for ESB customers domiciled in JABODETABEK, Bandung, Semarang, Solo, Surabaya, and Medan.
  • Customers are required to apply for a KTA loan through the KTA onboarding web and open a checking account if the application is approved.

WORKING CAPITAL CREDIT loan for Financing Operational Needs for ESB users

  • Loan up to IDR 500 Million
  • Interest rate 1.5% flat per month
  • Tenor up to 3 months
  • Limit valid for up to 12 months from approval
  • Maximum financing of 80% of the invoice
  • No provisioning fees and disbursement fees
  • No installments, principal and interest are paid directly at maturity

Terms and conditions for applying for a loan limit for the first time:

  • Valid for individual customers and business entities (PT/CV/Firm/Cooperative/Individual Company).
  • Minimum business duration of 2 years with a minimum average net income of IDR 8 million per month.
  • Valid for ESB users domiciled in JABODETABEK, Bandung, Semarang, Solo, Surabaya, and Medan.
  • Customers are required to apply for a KTA loan through the KTA onboarding web and open a checking account if the application is approved.

Terms and conditions for the next loan withdrawal:

  • Disbursement is only for the purpose of purchasing at suppliers registered with PT Esensi Solusi Buana.
  • Valid if the loan limit is still available, the loan tenor/term has a maturity date before/equal to the expiration date of the loan limit, there are no arrears for the previous loan and in accordance with other OCBC internal provisions.

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