SME Loan

A comprehensive financing solution for small and medium-sized enterprises seeking higher funding to expand operations and strengthen financial capacity. This loan supports working capital enhancement, business asset acquisition, and long-term investment, enabling enterprises to achieve sustainable growth and improved competitiveness.

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Detail Information

Eligibility

Our SME Loan is ideal for registered small and medium-sized enterprises (SMEs) and entrepreneurs seeking to scale their operations. This includes business owners in sectors such as retail, wholesale, manufacturing, services, and agriculture who need capital for inventory, equipment upgrades, or expanding business locations. We focus on entities with a clear business plan and a commitment to sustainable growth in the Cambodian market.

  • Business owners
  • Aged between 18 and 65 years old
  • Permanently residing in the country
  • Cambodian citizens with a valid national identification document
  • Demonstrated business operations with clear and verifiable cash flow
  • Ability to demonstrate repayment capacity based on income and cash flow
  • Acceptable credit history in accordance with the Bank’s credit assessment standards
  • Small and medium-sized enterprises that are legally registered and operating in compliance with applicable laws.

 Product Features

  • Currency: KHR/USD.
  • Tenure: Up to 10 years.
  • Loan Size: From USD 50,001 Up to USD 200,000.
  • Interest Rate (p.a.): Negotiable.
  • Processing Fee: Negotiable.
  • Payment Method: Flexible.

Benefit

  • Benefit from attractive rates that minimize your cost of capital and maximize profitability.
  • Access substantial funding limits tailored to the scale of your business needs.
  • Repayment schedules are customized to align with your business cash flow and financial capabilities.
  • Receive personalized advice and service from our expert relationship managers.
  • We understand that time is money. Our streamlined assessment process ensures you get access to funds when you need them most.

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.

  • 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.

Related Products

Commercial Loan
SME Loan
Small Business Loan
Micro Business Loan
Overdrafts
Revolving Loan