Overdrafts

A flexible short-term financing facility designed to support businesses in managing day-to-day cash flow needs. It allows businesses to withdraw funds beyond their available account balance, up to an approved limit, to cover temporary liquidity gaps. This facility helps enterprises manage working capital efficiently, settle urgent payments, and maintain smooth business operations. Interest is charged only on the amount used, providing cost-effective, flexible access to funds.

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Detail Information

Eligibility
Our Overdraft facility is ideal for corporate clients and business owners who maintain a current account and require a financial safety net for short-term liquidity.

  • Legally registered businesses with active operations
  • Business owners
  • Demonstrated and stable business cash flow
  • Ability to repay based on business income and transaction history
  • Valid business registration and identification document
  • Acceptable credit history in accordance with the Bank’s credit assessment standards

Product Features

  • Currency: KHR/USD/THB
  • Collateral: Soft & Hard Title Deed and Fixed Deposit Certificate
  • Tenure: Up to 10years
  • Loan Size: From USD10,001 Up to USD200,000
  • Interest Rate (p.a.): Negotiable. Interest is calculated daily based on the overdrawn amount
  • Processing Fee: Flexible
  • Payment Method: Flexible; credits to the account automatically reduce the outstanding overdraft balance

 

Benefit

  • Easily cover temporary cash shortages when your account balance is low to ensure business continuity.
  • Interest is only calculated on the specific amount you overdraw, not on the entire approved limit.
  • Access funds immediately whenever needed through your current account without any additional application.
  • Ensure all checks and scheduled payments are honored on time, maintaining your professional reputation.
  • Provides a financial cushion for unexpected expenses or urgent opportunities without disrupting daily operations.

How to Apply Loan

Getting the capital your business needs is straightforward. We have streamlined our application process to ensure you receive your funding as quickly as possible. You can apply for loans as follows:

  • Visit our nearest branch to speak with our staff directly.
  • Call our Call Center for guidance and support via Facebook or call: 023 980 888 / 093 671 111
  • Simply fill out the application.

Requirements Documents

  • Valid National Identification Card, Passport, or Civil Servant Identification
  • Family Book or Residence Certificate
  • Business registration certificate, patent tax certificate, or other legal business licenses
  • Financial statements or income records (e.g. balance sheet, profit & loss statement, cash flow)
  • Collateral documents
  • Other supporting documents as required by the Bank from time to time.

Terms and Conditions

Terms and conditions are subject to change at the discretion of the Bank without prior notice to the Customer.

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