C-Factor

Helping businesses improve cash flow through working capital financing secured by outstanding invoices and business receivables.

Required Documents

Prepare the required documents to help us conduct a fast and accurate credit assessment process.

Supporting Documents	Employee	Professional	Entrepreneur	Company
Copy of Husband & Wife ID Cards	✓	✓	✓	–
Copy of Directors & Commissioners ID Cards	–	–	–	✓
Copy of Family Card	✓	✓	✓	–
Copy of Professional Practice License	–	✓	–	–
Copy of Bank Statement / Savings Account (Last 3 Months)	✓	✓	✓	–
Copy of Bank Statement / Savings Account (Last 6 Months)	✓	✓	✓	✓
Copy of Tax Identification Number (NPWP)	✓	✓	✓	✓
Copy of NIB, SIUP & TDP	–	–	✓	✓
Copy of Deed of Establishment & Amendments	–	–	–	✓
Proof of Home Ownership (PBB / AJB)	✓	✓	✓	–
Salary Slip / Proof of Income	✓	–	–	–
Financial Statements (Minimum 2 Years)	–	–	✓	✓

Credit Risks

The risk of collateral enforcement may arise if the Customer and/or Collateral Owner defaults on their obligations.
Reputational risk may occur through the recording of financing history in the Financial Information Service System (SLIK) if the Customer and/or Collateral Owner fails to make payments on time.
To avoid the risk of collateral enforcement, the Customer must comply with the provisions of the Financing Agreement, including:
1. Paying installments in full and on time.
2. During the term of the Financing Agreement and without prior written consent from CLEMONT FINANCE, the Customer is not permitted to sell, lease, transfer, or re-pledge the collateral to any third party.

Simulation Table

Fees may vary depending on the loan term, customer’s domicile, and other.

Factoring Financing Simulation Invoice Value IDR 100,000,000
Product Type & Tenor Regular 3 Months	Financing Scheme Discount Interest Paid Upfront	Retention Percentage 20% of Invoice	Total Upfront Deduction IDR 21,400,000
Financing Amount IDR 80,000,000 Initial disbursement amount	Retention (20%) IDR 20,000,000 Reserved security fund	Maturity Interest IDR 1,000,000 Interest expense	Total Charges* IDR 1,400,000 Interest + Provision & Administration
Payment Components & Deductions:• Total Upfront Deduction: IDR 21,400,000 (Includes Retention, Interest, Administration Fee, and Provision Fee) • Business Fees: IDR 400,000 (Provision & Administration Fee)		Retention Fund Return Policy:• The retained amount of IDR 20,000,000 serves as an official security reserve. • The retention amount will be fully refunded to the customer once the Project Owner / Contractor has settled the invoice payment in full.

* SIMULATION ONLY (THIS TABLE DOES NOT APPLY IF THERE ARE OUTSTANDING PAYMENTS). The figures above are provided solely for illustrative purposes under a productive financing scheme. All financing amounts, discount values, and final approvals remain subject to document verification and credit assessment policies of PT Clemont Finance Indonesia.

Important Information

Transparency is Our Priority.

What Are the Penalties for Late Payments or Early Settlement?

A late payment penalty of 0.5% per day of the overdue installment amount may be charged if payments are not made by the due date. For early settlement, an 8% fee of the remaining outstanding principal balance may apply, in accordance with the terms and conditions of the financing agreement.

Additional Information

DISCLAIMER (Please Read Carefully):

The prospective customer acknowledges that they have read and understood the Product and Service Information Summary.
This Product and Service Information Summary does not guarantee approval of any financing facility application.
All calculations provided in the simulation are for illustrative purposes only and may change at any time.

Key Financing Features

FINANCING PRINCIPAL

INTEREST RATE

ELIGIBLE COLLATERAL

LOAN TERM

FINANCING PURPOSE

Estimated Fees & Charges

Processing & Legal Fees