Types of Bank Mandiri Loans that are Suitable for Capital

Bank Mandiri, one of Indonesia’s largest banks, offers a variety of loan products designed to meet the diverse needs of its customers, from small entrepreneurs to large enterprises.

Understanding the types of loans available can help individuals and businesses make informed decisions about which options are best suited for their capital needs.

This article explores the different types of Bank Mandiri Loans that are suitable for various capital purposes, detailing their features, benefits, and ideal uses.

1. Kredit Usaha Rakyat (KUR)

Kredit Usaha Rakyat (KUR) is a government-backed microloan program facilitated by Bank Mandiri, aimed at empowering small to medium enterprises (SMEs) and cooperatives.

These loans are intended for businesses that need funding to expand operations, purchase materials, or increase working capital.

KUR offers competitive interest rates lower than typical commercial loans, making it an attractive option for small business owners looking to grow without significant financial burden.

2. Mandiri Kredit Tanpa Agunan (KTA)

Mandiri KTA is an unsecured personal loan product that does not require collateral. It is suitable for individuals who need quick access to funds for various purposes, including business capital.

The process for approval is generally swift, and the amount granted can be substantial, depending on the applicant’s credit history and income level. This loan is ideal for entrepreneurs who do not want to or cannot pledge assets as collateral.

3. Mandiri Investasi

Mandiri Investasi is a loan product designed to aid businesses in financing their expansion or long-term investment projects. This could include purchasing new equipment, expanding facilities, or investing in long-term development projects.

The loan terms are typically longer, with options for tailored repayment schedules to match the business’s cash flow. This type of loan is ideal for established businesses looking to take the next step in their growth plans.

4. Mandiri Kredit Multiguna

Mandiri Kredit Multiguna is a multipurpose loan that offers flexibility for both personal and business use.

It can be secured against fixed assets, such as property or vehicles, providing a higher loan amount and lower interest rates compared to unsecured loans.

This is an excellent option for business owners who need a larger capital influx and are comfortable using their assets as security.

5. Mandiri Kredit Modal Kerja (Working Capital Loan)

For businesses that need to cover operational costs such as payroll, rent, or inventory, Mandiri Kredit Modal Kerja provides a solution to enhance liquidity.

This type of loan is tailored to help businesses maintain smooth operations without financial hiccups. It is particularly useful for companies experiencing seasonal sales fluctuations or those awaiting receivables.

6. Mandiri Kredit Rekening Koran (KMK)

Mandiri Kredit Rekening Koran (KMK) is an overdraft facility allowing businesses to overdraw their current accounts up to a certain limit to meet short-term financing needs.

This facility is ideal for handling unexpected expenses or bridging cash flow gaps. It offers the convenience of flexible withdrawals and deposits, with interest charged only on the amount used.


Bank Mandiri’s diversity of loan products provides many capital financing options that can meet various needs and conditions. Whether starting a new business, expanding an existing business, or covering operational costs, there is likely a BRI Bank Loan product suitable for every business scenario.

Business owners and individuals should evaluate their financial situation carefully and consult with bank representatives to select the type of loan that best suits their capital needs, ensuring they utilize the best financial tools to promote growth and stability.