MODULE //

Lenders & Partner

← LENDER DIRECTORY|FACILITY // TL_LINTAS
Lintas Group
Lintas Nusa Term LoanTerm loan
Bank Lintas Nusa · Lintas Group
Plafond
Rp 1,8 T
Outstanding
Rp 1,5 T
All-In CoF
10,91%
SPEC // 01

RISK ACCEPTANCE CRITERIA (RAC) & BATCH ELIGIBILITY

SegmentsTwo-Wheeler, Multiguna BPKB, Cash Loan
Tenor6 to 36 months
Ticket sizeRp 5 jt to Rp 200 jt
Minimum score0.50
Worst SLIK collectibilityKol 2
RegionsAll regions
Sharia onlyNo
Complete documents requiredYes
Max share from one dealer10%
Batch sizeRp 10,0 M to Rp 80,0 M
Cutoff16:00
Processing2 business days
SPEC // 02

RECENT REFINANCING BATCHES WITH THIS LENDER

Loading recent batches…

SPEC // 03

FACILITY LIMITS & COMMITMENT PARAMETERS

PlafondRp 1,8 T
OutstandingRp 1,5 T
Utilization83,3%
CommittedYes
RevolvingNo
CurrencyIDR
Minimum drawRp 25,0 M
Notice (days)3
Availability ends—
SPEC // 04

PRICING & ALL-IN COST OF FUNDS BREAKDOWN

Rate typefloating
Base rate5,60%
Spread3,75%
Upfront fee0,75%
Commitment fee0,25%
Prepayment penalty1,00%
Default interest2,00%
Interest frequencymonthly
All-in: Interest9,35%
All-in: Upfront fee (amortized)0,25%
All-in: Commitment fee0,05%
All-in: Over-collateralization1,26%
All-in cost of funds10,91%
SPEC // 05

TENOR, AMORTIZATION & RENEWAL

MaturityWeek 157
Batch tenor24 months
Amortizationinstallment
Renewal—
Renewal probability90%
SPEC // 06

FIDUSIA COLLATERAL & SECURITY

Coverage required105%
Max DPD eligible90 days
Substitution (days)5
Eligible segmentstwo_wheeler, multipurpose, cash
SecurityFiduciary assignment of receivables
SPEC // 07

FINANCIAL COVENANTS

CovenantDefinitionThresholdTested
GearingBorrowings / (equity + subordinated loan - investments)<= 8xquarterly
NPL > 30 dpdReceivables over 30 days past due / gross receivables<= 6,0%quarterly
Receivables to assetsFinancing receivables / total assets>= 80,0%quarterly
SPEC // 08

NEGATIVE COVENANTS

  • New debt requires consent unless gearing < 10x
  • No dividends while in breach
SPEC // 09

EVENT TRIGGERS

  • Cross-default
  • Rating downgrade below A-(idn)
SPEC // 10

REPORTING OBLIGATIONS

  • Monthly portfolio report

PT Nusantara Konsumer Finance · OJK POJK 35/46