{"id":10871,"date":"2023-06-19T16:36:55","date_gmt":"2023-06-19T09:36:55","guid":{"rendered":"https:\/\/fazz.com\/?p=10871"},"modified":"2024-02-21T12:42:39","modified_gmt":"2024-02-21T05:42:39","slug":"pinjaman-bisnis-online","status":"publish","type":"post","link":"https:\/\/fazz.com\/en\/newsroom\/business\/pinjaman-bisnis-online\/","title":{"rendered":"

Tips Pinjaman Bisnis Online dan Persiapan yang Perlu Dibuat<\/p>"},"content":{"rendered":"

Pinjaman bisnis online<\/a> menjadi pilihan karena prosedurnya yang lebih mudah dibandingkan yang konvensional. Namun, untuk melakukannya perlu perhitungan yang matang. Tujuannya agar pinjaman Anda berhasil mendatangkan keuntungan pada bisnis.

Di sini akan dijabarkan tips untuk melakukan pinjaman online bagi bisnis dan apa saja yang perlu dipersiapkan.<\/p>

Tips pinjaman bisnis online <\/strong><\/h2>

Pinjaman modal usaha<\/a> saat ini tidak hanya tersedia konvensional, tapi ada juga online. Artinya, Anda tidak perlu bertemu secara langsung dengan kreditur. Anda cukup mengajukan pinjamannya lewat aplikasi atau situs web resmi. Ini tips sukses pinjaman bisnis online.<\/p>

1. Pilih platform resmi<\/strong><\/h3>

Tips penting yang jangan sampai dilewatkan ada memilih platform pinjaman resmi. Saat ini sudah banyak bank yang menyediakan platform online, Anda bisa mencobanya.<\/p>

Namun, jika Anda ingin proses lebih cepat, bisa memilih fintech lending yang sekarang sudah menjamur. Hanya saja perlu hati-hati memilihnya. Harus sudah berizin dari OJK karena punya payung hukum yang kuat.<\/p>

2. Bunga yang ditawarkan wajar<\/strong><\/h3>

Saat meminjam, Anda pasti akan dibebani bunga dengan besaran sesuai dengan jumlah pinjaman. <\/p>

Anda perlu memastikan bunga yang dibebankan besarannya wajar, tidak memberatkan Anda secara finansial. <\/p>

Di samping itu, memiliki aturan yang jelas dan tidak muluk-muluk. Cukup Anda sebagai debitur membayar secara tepat, maka semuanya akan lancar saja.<\/p>

3. Jaminan yang mudah<\/strong><\/h3>

Beberapa pinjaman bisnis online mengharuskan Anda menyediakan jaminan, tapi itu pun tidak harus aset berharga. <\/p>

Anda cukup menyerahkan jaminan berupa invoice atau faktur. Ini tentu lebih mudah untuk Anda yang memiliki piutang di luar. Tinggal menyerahkan invoice, Anda langsung mendapatkan pinjamannya.<\/p>

4. Menawarkan asuransi pinjaman<\/strong><\/h3>

Pinjaman bisnis online yang menyediakan asuransi layak Anda pilih. Tujuan dari pengadaan asuransi ini adalah sebagai proteksi jika terjadi hal yang tidak diharapkan, sehingga menghambat Anda dalam melakukan pembayaran pinjaman.<\/p>

Biasanya premi harus dibayar di awal saja atau per bulannya. Anda perlu bertanya secara detail tentang penawaran asuransi agar keuntungannya bisa dimanfaatkan.<\/p>

Apa saja yang perlu dipersiapkan untuk pinjaman online?<\/strong><\/h2>

Supaya Anda lancar dalam mengajukan pinjaman untuk online, berikut persiapan yang perlu dilakukan.<\/p>

1. Melihat kemampuan sendiri dalam melunasinya<\/strong><\/h3>

Anda perlu menanyakan pada diri sendiri apakah benar-benar mampu untuk mengambil pinjaman. Rencana apa saja yang harus dilakukan untuk membayar pinjamannya di waktu yang seharusnya.<\/p>

2. Menentukan besaran pinjaman yang tepat<\/strong><\/h3>

Anda memang bisa menentukan besaran pinjaman bisnis online di angka berapa saja, tapi pastikan angka itu memang yang Anda butuhkan.<\/p>

Agar tidak boncos nantinya, Anda rincikan dulu pinjaman itu akan dipakai kebutuhan mana saja. Setelah bisa memastikan, Anda pun dapat segera mengajukan pinjaman.<\/p>

3. Memilih platform yang sesuai<\/strong><\/h3>

Tadi sudah disebutkan bahwa platform terpercaya untuk pinjaman bisnis secara online adalah bank atau fintech lending.<\/p>

Namun, selain itu Anda perlu mempelajari benefit apa saja yang ditawarkan mereka untuk Anda. Misalnya, besaran bunga yang pas di kantor, denda keterlambatan yang tidak terlalu besar, dan lainnya.<\/p>

4. Pelajari syarat dan ketentuan secara jelas<\/strong><\/h3>

Pinjaman Anda memiliki syarat dan ketentuan yang harus dipenuhi. Anda perlu mempelajarinya dengan matang agar tidak ada yang terlewatkan. <\/p>

Terutama di persiapan dokumen seperti KTP, NPWP, surat bukti kepemilikan usaha, dan lainnya. Perlu dicatat bahwa pihak platform hanya akan meloloskan usaha yang resmi alias berizin.<\/p>

5. Credit score yang bagus<\/strong><\/h3>

Hal yang sering dilupakan oleh peminjam adalah credit score. Padahal hal ini krusial untuk keputusan kreditur yang akan memberikan pinjaman. Kreditur hanya akan meloloskan kredit kepada debitur yang credit score-nya positif. Anda bisa memeriksa kredit score secara mandiri melalui SLIK OJK.<\/p>

\n
Ajukan Pinjaman Bisnis Sekarang<\/a><\/div>\n<\/div><\/p>","protected":false},"excerpt":{"rendered":"

Di sini akan dijabarkan tips untuk melakukan pinjaman online bagi bisnis dan apa saja yang perlu dipersiapkan.<\/p>","protected":false},"author":19,"featured_media":10910,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[548],"tags":[267,76,71,48,475,74],"yoast_head":"\nTips Pinjaman Bisnis Online dan Persiapan yang Perlu Dibuat<\/title>\n<meta name=\"description\" content=\"Pinjaman bisnis online perlu dilakukan penuh perhitungan agar lancar melakukan pengembalian. 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