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
| Covenant | Definition | Threshold | Tested |
|---|---|---|---|
| Gearing | Borrowings / (equity + subordinated loan - investments) | <= 8x | quarterly |
| NPL > 30 dpd | Receivables over 30 days past due / gross receivables | <= 6,0% | quarterly |
| Receivables to assets | Financing 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