Credit is a financial means enabling a person or an institution to borrow funds to purchase products and repay these funds within a certain period. The need for credit is unavoidable, especially for business sectors, due to the increasing need for expansion by business owners. Banks pool funds and manage the flow of funds or credit to customers as debitors so that they will receive the financial aid they need to expand their businesses or to meet other expenses. This research will discuss about the grant of working capital loan to business owners so that they can expand their businesses in the form of local credit - a short term credit allowed for additional need of productive working capital loan where customers can easily draw and deposit funds within the maximum credit amount and the determined period.