MSME Business Capital Loans, Grow Business Faster

Get business capital funding of up to 2 billion with a flexible tenor of 6 – 24 months, flat interest rates with transparent fees, loans without collateral, easy to apply and disburse.

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What is KoinBisnis Business Capital Loan?

KoinBisnis is a business capital loan product intended for business development and empowerment of MSMEs in Indonesia that has been registered and supervised by the Financial Services Authority (OJK).

You can get access to loans for business development up to Rp2 billion.

Advantage Apply for a Loan at KoinBisnis

Get a business capital loan easily, quickly and without collateral.

Limit Up to 2 Billion

Get access to funding of up to IDR 2 billion for all your business development needs.

5 Minutes Application Process

The application process is easy and fast through one KoinWorks application.

Interest from 0.75%

Interest is competitive, transparent, and with no hidden fees.

Reason Apply for a KoinBisnis Business Capital Loan

Various reasons to borrow at KoinBisnis that will definitely make you safe and comfortable

Licensed and Supervised by Otorias Jasa Keuangan (OJK)

KoinWorks is also listed as a Inovasi Keuangan Digital (IKD) organizer.

Various Featured Features for MSMEs in One Application

Business Account, Money Transfer, Investment all in one app

Robust Security

KoinWorks has ISO 27001 certification. All transactions are guaranteed safe with a sophisticated and reliable security system

KoinBisnis Loan Requirements

Customize your app for #WujudkanImpianAnda right away.

Home Business

For Companies

How to Apply for a KoinBisnis Business Capital Loan

Try it now and get the benefits instantly

Download & Register

Install KoinWorks app and register yourself as a Brand Account

Select KoinBisnis Menu

Select KoinBisnis menu and complete the data to start your loan application

Loan Application

After completing the data, you can start applying for a loan for your business

Funding Process

After approval, your loan application will appear on KoinBisnis’s funding list

Loan Successful!

After collecting funding, we will send it directly to your account

KoinBisnis Qualification Process

Easy and transparent process for you to #WujudkanMimpiAnda.

01. Loan Application

Borrowers apply for loans online via the app

02. Credit score check

KoinWorks analyzes all data and assigns credit score A - E

03. Approved Loan

Loans are issued into the marketplace

04. Funders analysis

Hundreds of thousands of Funders analyze loans and fund them

05. Fund Search

Loan funded at least 80% and disbursed to Borrower's account

06. Installment payment

Borrowers utilize it and pay installments according to the tenor

07. Distribution of Interest

The KoinWorks system automatically distributes returns to Funders based on the funding portion of each Funders (Principal + Interest)

KoinBisnis Interest and Service Fee

All fees are transparent, goodbye hidden fees!

0,75% - 1,96%

Interest/month

4,75% - 6,25%

Credit approval fee

0,3% - 1,56%

Life Insurance

Rp 30K - 200K

Administration fee

Frequently Asked Questions

KoinBisnis is a loan product intended for business development and empowerment of MSMEs. Get business capital funding of up to 2 billion, low interest, no collateral and easy submission through the application.

Reasons for choosing KoinBisnis:

  • Security Assurance where KoinWorks is licensed and supervised by OJK with ISO 27001 certification.
  • Registration in one application equipped with excellent features for MSMEs.
  • Competitive and transparent interest rates.
  • Unsecured business capital loan.
  • The amount of funding is up to 2 billion and the tenor is long up to 24 months.

No, the requirements are very easy for the KoinBisnis business capital loan application process. You only need to prepare the following documents:

For Home Business:

  1. ID CARD
  2. NPWP (if the loan is above 50 million)
  3. Family Card (if married)
  4. Account Mutation (last 3 months)

For Companies:

  1. Director’s / Owner’s ID
  2. Company NPWP
  3. Company Deed (latest)
  4. Account Mutation (last 3 months)
  5. Financial Report

Follow these steps to apply for a KoinBisnis business capital loan:

  1. Download KoinWorks app here.
  2. Select KoinBisnis menu.
  3. Loan application.
  4. Funding process.
  5. Successful loan

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