How to Apply for Private Trades SME Loan

As we know, Good Credit Bank is a bank established in 1933 in order to support SMEs and tradesmen as a result of the legal regulations made by the state. Besides, it has been organizing special loan campaigns for SMEs and tradesmen for years and continues these campaigns today.

In this article, we, as Good Finance, will try to share Good Creditbank Private Tradesmen and SME Loan applications, what kind of documents are required, and briefly present important points about these loans to you.

Credit Packs That Tradesmen Can Withdraw From Good Credit Bank

There are 4 different loan packages specially created for tradesmen at Good Credit Bank. These; Loans with ESKKK Guarantee, Loans Without Bail from ESKKK, Tradesman Loans with 0 Interest, Public Trades Support Package. In these packages; the content, application conditions and the amount of loans that can be withdrawn differ. Let’s take these packages for you individually. For more detailed information on ESKKK Bail, it will be useful to take a look at this article.

Credit from Good Creditbank with ESKKK Guarantee

With the ESKKK (Tradesmen and Craftsmen Credit Bail Cooperatives) Guarantee from Good Credit Bank, the interest rate starts from 4 percent, and the maximum loan amount you can withdraw is determined as 150 thousand USD. At this point, depending on which risk group your ESKKK is in, the amount of credit you can withdraw may decrease accordingly. These figures are 75 thousand USD and 100 thousand USD. The longest maturity period you can use in terms of maturity is 60 months, or 5 years. As for the payment; You can set up payment periods every 6 months, 3 months or monthly.

Who Can Apply?


People who can apply for loans with Good Creditbank’s Bail on ESKKK; It must be one of the people registered in the Chamber of Tradesmen and Artisans and the Registry of Tradesmen and Artisans, and also tradesmen and tradesmen cooperative with the Tradesmen and Craftsmen Cooperative.

Required Documents and Application

Those who want to apply for this loan; It will be required to present the Tradesmen Room Registration Document along with the ID copy and the Tax Registration Copy of the Tradesman Registration Certificate. These documents will be able to open a loan application. You can make your loan applications to Good Credit Bank branches.

Credit from Good Credit Bank without ESKKK Guarantee

If you do not have a position to offer ESKKK bail; In this case, it is possible to get tradesmen loans from Good Credit Bank. In order to meet your needs such as raw materials; Funding support is provided to tradesmen from Good Credit Bank up to 150 thousand USD, with a 5-year and 60-month maturity, and 6-month, 3-month and monthly payment terms. The amount of credit you can withdraw; A situation assessment will be made by the bank and will be determined according to your income and expense balance. This amount will vary between 100 thousand, 125 thousand or 150 thousand USD .

Who Can Apply

Those who want to withdraw trades from Good Credit Bank without the guarantee of ESKKK; Necessary conditions will be met for this loan type if they are not a partner of ESKKK and registered in the Chamber of Tradesmen and Artisans and the Registrar’s Office of Tradesmen and Craftsmen.

Required Documents and Application

In order to apply for a tradesman loan without the ESKKK Bail; You will need to bring your photocopy of your identity card, Chamber of Merchant Registration, Certificate of Tradesman Registration and Tax Board.

Zero Interest Tradesmen Loan

Good Creditbank offers low interest tradesmen loans for SMEs and tradesmen as well as zero interest tradesmen loans. For tradesmen and SMEs who can benefit from this loan type, 100 percent interest exemption is applied, that is, no interest is collected. Refunds are made only up to the principal withdrawal.

Online loans bad credit ok -Online loans for bad credit: easy online application

People’s demand for cash is at this time, unavoidable the higher the rise. One solution to this situation is to apply for an online loan for bad credit. As time went on, lending services became available online, making the online lending process easier and more accessible to the public.

Online loans for bad credit: easy online application

Online Loan Through Good Credit Application

One way to receive funds online safely is through the online loan application for an online loan for bad credit by configuring… They are a financial technology company that provides an online loan application that allows you to borrow funds without the need for a credit card as a condition of your loan.

Not only that, you do not need to prepare your assets for collateral as the loan system in Good Credit is similar to Credit Lending. Then is this Good Credit loan application secure? How does it work? Check out the following reviews.

Anti-Fraud Online Loan Technology

Good Credit’s application is now using a technology called anti-fraud. According to Bank Indonesia circular dated December 09, 2011 No. 13 / 28DPNP, fraud is fraudulent or fraudulent act committed to defraud, defraud or manipulate banks, customers, or others occurring in the Bank’s environment and/or using the Bank’s means resulting in bank, customer, or other loss and/or fraudulent gainers either directly or indirectly.

Thus, it is clear that Good Credit already has a good and secure online loan application indicator. Because all data and info related to customer identity and transactions are securely stored. This is also supported by the availability of OTP code technology to maintain customer privacy and account verification.

Good Credit’s application is also running and registered under the Financial Services Authority, so it can be verified and has the legal permission to operate in Indonesia.

Easy Application Requirements

To apply for a loan through the Good Credit fund lending application, the terms are also simple. All you need is a photo of your ID, your Tax ID, and your social media account.

The technology used by the Good Credit system enables the system to perform data verification and analysis of your social media to determine your financial profile and determine the level of risk involved in lending funds.

Fast Process

To apply for a loan, creditors wait for 2 x 24 hours for the data verification process, before Good Credit finally lends it or not. If the personal data you provide is complete and correct (not a manipulation of the data), then the data verification process will end quickly.

Through the Good Credit app, you can freely choose your loan tenor according to your needs and repayments. Enjoy installments ranging from 1 to 6 months with competitive rates!

Fixed Loan Installment and Transparency Fee

Good Credit’s installment system seems to be advantageous, given the flat rate of interest. So the amount of the installment you pay from the beginning of the loan to the end of the loan period remains constant.

So the interest rate is unlike other fluctuating loan lending which, if interest rates go up, can be detrimental to borrowers.

In addition, the cost of service to the borrower is the cost of the risks and the operating costs. The fees or service charges imposed by Good Credit can be reduced if the debtor pays/repays the loan on time or before the due date. These costs are also presented in a transparent manner without any other hidden costs.

How to apply for payday loans without changing banks

In fact, there are a number of payday loans online that you can request without changing banks. These payday loans offer aid to all types of people and can be credits of up to 50,000 dollars without making any complex procedure and without links with another bank.

That is to say, you are not obliged to resort to your usual entity to request loans, but you can request a payday loan in another bank that offers you better conditions.

Do you know how to find the loan that suits you?

Do you know how to find the loan that suits you?

Financial institutions can offer you different ways of financial aid without obligation to change banks. Either in the form of a micro-loan, loans with a guarantee of some kind (such as a loan with a guarantee with a car) or even home equity loans.

Of course, if the main thing is not to change your bank, you have three basic types of financing that do not require the need to change entities:

  • Microcredits
  • Credit cards
  • payday loans

In Good Finance we offer you this service, you can request a payday loan without changing your bank by filling out the following questionnaire. We take care of finding the entities that best suit you and we analyze your case to find those that can grant you the loan without problems. And the best thing is that we give you an almost immediate response.

Where to apply for these credits without changing banks?

Where to apply for these credits without changing banks?

There are mainly three types of financial institutions that can grant this type of credit.

  1. First, private lenders or private financing entities. These allow us to obtain credits online quickly regardless of our bank. Here you can see the financial institutions with which we collaborate in Good Finance and that can grant you the loan without changing your entity.
  2. Secondly, the banks themselves offer some financial aid without needing to belong to their bank. Although in this case the search is more complicated and slower.
  3. And finally, through crowdlending platforms that allow obtaining loans between individuals. In this case you must also manage directly with the platforms which increases the time of receiving the money.

Advantages apply for a loan without changing banks

Advantages apply for a loan without changing banks

The best thing about these credits and payday loans is how quickly they are processed. Especially if you process it from a platform like ours, you will get a quick and efficient response, since we have direct communication with dozens of entities that can grant you the loan without having to change your bank.

But another advantage is to avoid the expensive process of changing banks to apply for a loan. This change is usually almost a nightmare: change receipts, cards, money transfers, cancellation of other loans, savings plans, etc. Online payday loans without change of entity offer us immediate financing without sacrificing the advantages offered by our own bank.

In any case it is a way for the client to apply for the most beneficial payday loan for their economic situation without involving an administrative disruption. What does it sound good to?

Requirements to obtain a credit without change of entity

Requirements to obtain a credit without change of entity

As far as the necessary requirements to be able to resort to this type of aid and to receive some type of personal credit online without the obligation to change your bank are very simple. In fact, they are basically the same as to ask for a loan in your entity always or to open a new bank account.

These requirements are the basic conditions of any credit by any financial entity. Such as:

  • We must reside in Spain (indicating our address)
  • At the same time, we will have to be of legal age to apply for these credits (we verify by providing our ID or identity document)
  • Have sufficient income that allows us to return payment fees without risk of default. Sometimes a recent payroll or invoice is requested related to the bank account where the payday loan is to be entered and from which the installments will be collected.
  • It is preferable not to be in any list of delinquents such as Financial Credit Institutions, since this way we will have more options when choosing our loan. If we are on a list, we must try to cancel the debt as quickly as possible to get out of the delinquency list. Or put some type of guarantee to grant us the loan more quickly.

This type of financial services gives you the ability to compare between different products and request the payday loan that offers you greater benefits. At Good Finance we analyze your profile personally and individually. And the best: we put you in touch with the entities that offer you the best conditions.