Indonesian Coffee Export Financing: Resi Gudang 2025 Guide

A practical 10‑day playbook for Indonesian coffee exporters to turn SRG (Resi Gudang) into pre‑shipment working capital in 2025. We cover eligibility, step‑by‑step issuance, lender checklist, timelines, and true costs—plus mistakes to avoid and how to combine SRG with LC/PO financing.

We’ve helped coffee teams go from idle stock to cash in under two weeks using SRG. The fastest one? Ten days from warehouse intake to disbursement because the credit line was pre-approved and the lot was already export-ready. Here’s the exact system we’d use again in 2025.

The 3 pillars of fast SRG cash conversion

Clean collateral. Uniform green coffee, export-packed, with moisture 10.5–12.5 percent and clear lot traceability. In our experience, well-prepared lots like Blue Batak Green Coffee Beans or Sumatra Mandheling Green Coffee Beans pass grading smoothly and get better valuation.
Ready lender. A bank or finance partner that already recognizes Bappebti/KBI SRG, has your file KYC’d, and a credit line approved. This alone can shave 3–5 days off.
Tight documentation. Accurate packing list, COAs, grading results, ownership proof, and warehouse intake notes. Small discrepancies slow everything down.

Here’s the thing. SRG is a logistics-finance dance. Get the warehouse and lender talking early, and the rest flows.

Day 1–2: Prep stock and validate SRG eligibility

Confirm your commodity. Green coffee beans typically qualify. Parchment and roasted coffee are usually excluded under SRG for coffee, or accepted only by specific warehouses under special terms. Always check with your KBI-registered WSP (warehouse service provider).
Align packaging. Export-standard 60–70 kg bags on pallets, clear lot codes, net/gross weights, and fumigation plan. Our Bali lots like Arabica Bali Kintamani Grade 1 Green Coffee Beans already follow these specs, which speeds intake.
Pre-grade. Do an internal moisture and defect screening. Fix any mixed lots now. Every rebagging or regrading inside the warehouse adds days and costs.
Choose your SRG warehouse. Use a Bappebti-licensed, KBI-registered facility that handles coffee regularly. Ask for: intake capacity this week, coffee SOP, insurance coverage, and their e-SRG workflow.

Takeaway: Perfect the lot before it hits the dock. SRG rewards consistent, boring coffee.

Day 3–6: Intake, grading, SRG issuance

Intake and weighing. Warehouse verifies quantity and condition.
Grading and quality certification. Typically by the WSP or accredited surveyor. Expect moisture, screen size, defects, and cup if required.
Insurance binding. WSP arranges policy naming lender and you as insured parties.
SRG issuance. Data is lodged into KBI’s e-SRG registry. You’ll receive the electronic warehouse receipt referencing your specific lot.

What’s interesting is how valuation is done. Most lenders peg collateral value to a Bappebti/KBI reference or an agreed index of local exporter buy prices, then apply haircuts for quality, liquidity and price volatility. For arabica, quality premiums and differentials matter. Negotiate that framework upfront with your lender.

Day 7–10: Loan approval, disbursement, align with shipment

Submit SRG to the lender with your drawdown request. If the facility is pre-approved, underwriting is mainly a collateral check and covenant confirmation.
Disbursement. Funds hit within 24–72 hours after lender accepts the SRG pledge. We’ve seen same-day disbursement when all parties have worked together before.
Lock logistics. Pencil in stuffing, sailing windows and buyer documentation. Keep your SRG maturity and loan tenor aligned to realistic vessel dates.

Need help structuring your SRG plus shipment timeline for a live PO? You can Contact us on whatsapp.

Answers to the questions exporters actually ask

What grades and forms of coffee qualify for Resi Gudang in 2025?

Green coffee beans in export bags are standard. Arabica G1–G3 and Robusta export grades are commonly accepted. Parchment acceptance is limited and varies by warehouse. Roasted coffee is generally outside SRG scope. Always confirm eligibility with the specific KBI-registered warehouse.

How much funding can I get against an SRG for my coffee stock?

Typical loan-to-value is 60–75 percent of the agreed collateral value. Better grades, tighter moisture control and liquid origins often earn the higher LTV. A practical example: 50 tons of Mandheling valued at Rp 90 million/ton with a 70 percent LTV could yield Rp 3.15 billion.

Which banks or fintechs accept SRG for coffee exporters in Indonesia?

Historically, state-owned banks and selected regional banks support SRG. We regularly see interest from BRI, BNI, Mandiri and Pegadaian, alongside some BPDs in producing regions. Availability is branch-specific, so ask: Do you register liens against KBI e-SRG? What LTV and tenor can you offer for green coffee? What are your turnaround times from receipt to disbursement?

How long does SRG issuance and loan disbursement usually take?

If your credit facility is already in place: 7–10 days end-to-end. Warehouse intake and SRG issuance take 2–4 business days. Lender review and disbursement add 1–3 days. If you still need full credit approval, budget 2–3 weeks.

Can I combine SRG with an export LC or purchase order financing?

Yes. Many exporters pair SRG for pre-shipment working capital with LC discounting or invoice financing post-shipment. Coordinate assignments carefully to avoid double-financing. Lenders often require control of proceeds from LC or bank collection to repay the SRG loan first.

What fees, storage, and insurance costs should I budget per ton under SRG?

Costs vary by city and warehouse spec, but these are realistic ranges we’re seeing in 2025:

Storage and handling. Budget Rp 150,000–350,000 per ton per month including basic handling. Specialty storage or climate adders can push 20–30 percent higher.
Insurance. Typically 0.06–0.12 percent per month of insured value, depending on coverage and location.
SRG administration and registry. Rp 10,000–30,000 per ton equivalent, plus issuance and lien registration fees.
Financing. 11–15 percent p.a. interest rate is common for SRG-backed working capital, plus 0.5–1.5 percent facility/commitment fees. A safe working rule: for a 60–90 day cycle, total carrying and financing cost often lands around 0.9–1.6 percent of collateral value.

What happens if coffee prices drop or I miss the shipment schedule?

Lenders monitor mark-to-market. If price drops push your effective LTV above the covenant, you can face a margin call. Options are to top up cash, add collateral, or reduce the facility by selling part of the lot. If your shipment slides beyond tenor, request an extension early. Penalty rates apply for late repayment. We recommend setting a price alert at −8 percent from your loan’s valuation date so you act before the bank calls.

Lender checklist that speeds approval

Pre-approved line with documented policy for Bappebti/KBI SRG.
Agreed valuation method and haircut for your specific grades and origins.
Clear release and substitution rules. Can you swap bags from another SRG lot without re-underwriting?
Disbursement SLA. Put a number on it: 48 hours after SRG assignment.
Exit route. LC discounting, DP/DA collection, or cash settlement date tied to a vessel ETD.

Our experience shows that aligning all five above before the coffee reaches the warehouse is the difference between 10 days and 20+ days.

The 5 mistakes that kill SRG deals (and what to do instead)

Mixed lots and moisture drift. Mixed grades or moisture above 12.5 percent invite downgrades. Pre-grade and re-dry before intake.
Unclear ownership chain. Missing supplier invoices or transfer docs delay issuance. Keep a clean paper trail with lot codes from mill to warehouse.
Over-optimistic vessel dates. Aim for realistic ETDs. Build a one-week buffer.
Not budgeting carry costs. Add a 1.0–1.5 percent buffer to your cost sheet for 90 days.
Banking with a branch that doesn’t actually do SRG. Confirm they can register liens in KBI’s e-SRG and have done coffee before.

When SRG shines vs when it doesn’t

SRG is great when you have stock-heavy cycles, quality-stable lots, and buyers who need 2–8 weeks to formalize LCs or shipping windows. It’s less ideal for micro-lots that move in days, or when you trade on thin margins and can’t absorb a 1 percent carry. In those cases, faster invoice finance after shipment might win.

Practical example you can copy

A buyer confirms a PO for 1 x 20’ of North Sumatra arabica. You consolidate 18 tons of uniform Mandheling and Blue Batak. Moisture is 11.5 percent, screen 17/18, defects within Grade 1. You intake at a KBI-registered warehouse, get e-SRG in 3 days, draw 70 percent LTV within 48 hours, book stuffing for Day 12–14, and discount the LC on presentation. Total carry plus financing for 30 days lands under 0.8 percent of value. Because the lot was clean and the lender knew SRG, it all clicked.

If you need export-ready supply that slots straight into SRG, explore our current lots. We keep moisture, screen, and sorting consistent so grading and valuation are predictable. View our products.

Resources and next steps

Bappebti SRG and KBI e-SRG. Ask your warehouse for their current SOP and digital receipt process.
Lender pre-check. Get a written LTV, tenor, rate, and SLA before you intake.
Lot prep template. Standardize bagging and coding to avoid rework. For wine-fermented blends like our Bali, Java, Gayo & Mandheling - Wine Green Arabica Coffee Beans, align on how the warehouse will reference fermentation notes in grading.

The reality is the SRG system in 2025 is faster and more digital than a few years ago thanks to wider e-SRG adoption. If you bring clean coffee and a prepared lender, turning stock into pre-shipment cash in 10 days is absolutely doable. And yes, it’s repeatable.