Overdraft Facility

BTPN Mitra Bisnis presents Overdraft Facility as our commitment to become the best partner for our customers. The Overdraft Facility provides easiness and flexibility in cash management. All features are designed to be adjustable to our customers’ need in working capital.

Product Overview

  • Maximum installment is 12 months and can be extended
  • Revolving and withdrawable during the loan period
  • Customers can partially or fully withdraw based on their business needs by using cheque, bilyet giro or other electronic transaction channel which is agreed by the bank and the customer.
  • For further information, please contact our Relationship Manager at the nearest BTPN branch.

For further information, please contact Relationship Manager in nearest BTPN branch office.


Click here to download Product Information Summary

Registration Procedure

  • Submit credit application documents
  • Debtor’s business has been ongoing for at least three (3) years
  • Debtor’s business is excluded from the industry type which cannot be financed based on BTPN policy and/or included in the industry target which cannot be financed based on BTPN policy.
  • Debtor is not categorized as troubled debtor based on the Bank Indonesia checking result and/or from the Financial Service Authority (OJK).
  • Debtor is not blacklisted by Bank Indonesia and/or OJK
  • Debtor has no records of non-performing loans with BTPN
  • Debtor hands over collateral according to the BTPN approved collaterals namely a plot of land and its building, a plot of land, vehicles, machinery, goods inventory and account receivable
  • Debtor is qualified during the credit analysis process based on BTPN policy
  • Debtor opens a Giro Bisnis account at the BTPN

Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all BTPN customers to grow and make a more meaningful life through our products and activities.


BTPN Mataram Customer

“Since the 1990s, I have been developing, accommodating and selling the handiwork of weavers. Unfortunately, the business was not going anywhere. After my retirement, I was determined to develop this business further. Now, together with the BTPN Purna Bakti, my business has grown and I have my own gallery.”

Cecep Solihin

BTPN Bogor Customer

“My business has grown significantly after three years of becoming a BTPN customer. Especially with the trainings I received from BTPN, now I understand about bookkeeping and business management. There, I also learnt about online business.”

Rudy Chandra

BTPN Pecenongan Customer

"Small to medium retail printing is a capital heavy business, but what we sell is largely service-unlike the large scale printing companies. Not many banks are willing to look past the surface and understand the type of business that I have built and run since 8 years ago. With the Bank’s support and assistance over the past 2 years, my business continues to grow together with BTPN Mitra Bisnis."