Business capital is one of the most crucial elements in running and growing a company. The amount you need will depend on your business scale and long-term goals. If your venture requires substantial funding—up to IDR 1 billion—you may consider financing options to meet those capital needs.
To secure a 1 billion business loan, you can use a house, shophouse, or office unit certificate as collateral. However, it’s essential to understand the requirements, risks, and application process involved. So, what does it take to apply, and how can you increase your chances of approval? Here’s everything you need to know.
Financing Options for a 1 Billion Business Loan
If you’re looking for a 1 billion business capital loan, you can consider financing from BFI Finance. As a trusted financing company in Indonesia, BFI Finance provides funding solutions for various needs, including business expansion and working capital.
Through its property-backed loan product, you can apply for financing using a house, shophouse (ruko), or office unit (rukan) certificate as collateral. With property as security, loan amounts can range from IDR 300 million up to IDR 5 billion. Generally, the higher the property value, the larger the potential loan you can obtain.
Key Factors That Determine a 1 Billion Loan Limit
Every loan application goes through a risk assessment and collateral survey. As a result, the approved amount may vary from one applicant to another. If your documents are complete and your business profile is strong, your chances of securing up to IDR 1 billion will be significantly higher.
Here are the main factors that influence your loan limit:
1. Collateral Value
The loan limit typically ranges from 50% to 80% of the property’s appraised value. To qualify for a 1 billion loan, your property should be valued at approximately IDR 1.25–2 billion. Each financing institution may have different policies regarding loan-to-value ratios.
2. Income Profile
Your income profile will be analyzed to assess repayment capacity. If your debt-to-income ratio is healthy and manageable, your chances of obtaining a 1 billion loan increase substantially.
3. Credit History
A strong credit history is a major determining factor. If you have no record of defaults or late payments with other financial institutions, this will significantly improve your eligibility.
4. Purpose of Funds
A clear and well-structured business plan makes it easier for financing institutions to approve your application. Make sure you can clearly explain how the funds will be used and how you plan to generate returns.
Tips to Get a 1 Billion Business Loan Approved Faster
Large-limit loans naturally require more comprehensive evaluation. To streamline the approval process, consider the following tips:
✔ Maintain a Clean Credit Record
Ensure your credit history in Indonesia’s Financial Information Service System (SLIK) is clear of outstanding arrears before applying.
✔ Prepare Complete Property Documents
Make sure all legal documents are valid and complete, including:
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Certificate of Ownership (SHM)
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Building Permit (formerly IMB, now PBG)
✔ Provide Proof of Income
Submit salary slips (for employees) or an income statement/business certificate (for entrepreneurs). This helps demonstrate your repayment capability.
✔ Clearly Explain the Loan Purpose
Detail your business objectives, growth targets, and repayment strategy. Transparency increases lender confidence.
✔ Communicate Your Business Condition
Provide a realistic overview of your current business performance, including strengths and limitations, to help the credit analyst assess your potential.
Requirements to Apply for a 1 Billion Business Loan at BFI Finance
Before applying, ensure you meet the following eligibility criteria:
Personal Profile Requirements:
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Indonesian citizen (WNI)
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Aged 21–65 years (single, married, or divorced)
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Residential status: owned house, spouse-owned, family-owned, or annual rental
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Employment status:
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Permanent employee (minimum 1 year)
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Entrepreneur (business operating for at least 1 year)
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Business/profession must not violate the law
Property Collateral Requirements:
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Occupied and permanent building
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Located in a residential cluster, complex, or housing area
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Not under abandoned renovation
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Accessible by at least one car and one motorcycle
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Not near rivers, cemeteries, gas stations, telecom towers, or high-voltage power lines
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Not currently listed for sale
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Acceptable certificates: SHM/SHGB under applicant’s, spouse’s, or biological parents’ name (parents must be alive)
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Located in Jabodetabek, Sidoarjo, Surabaya, Malang, Medan, or Denpasar
How to Apply for a 1 Billion Business Loan at BFI Finance
Once all requirements are met, follow these steps:
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Complete the online application form
Fill in your personal data and collateral details accurately through the official property-backed loan page. -
Consultation with BFI Finance team
A call center representative will contact you to discuss loan amount and tenure options. -
Survey and Asset Verification
The BFI Finance team will conduct an on-site survey and verify the collateral. -
Fund Disbursement
If approved, the loan funds will be transferred directly to your bank account.
Grow Your Business with the Right Financing Solution
A 1 billion business capital loan can be a strategic move for expansion, operational scaling, or new investments. With competitive interest rates, flexible tenors, and a streamlined process, property-backed financing from BFI Finance can be the right solution for large funding needs.
If you require a smaller amount, you may also consider vehicle title-backed financing options.
As a financing company licensed and supervised by Otoritas Jasa Keuangan (OJK), BFI Finance offers a secure and reliable lending experience.
Ready to take your business to the next level? With the right capital strategy, there’s always a way forward.
