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SMAEs Loan under special program of the Government

Who is target customer? Producer, farming owner, agricultural cooperative, SMEs, who need capital for expanding business in 4 main sectors as below:
– vegetable and fruit producing
– animal raising (chicken, duck, pig, cow, etc.,
– aquaculture (fish farming, frog, eel, lobsters, etc.,)
– agro-industry processing and food.
Loan size and term
  • Working capital from 5,000 – 200,000 USD, term: up to 2 years
  • For Investment from 5,000 – 300,000 USD, term: up to 7 years
Interest rate
  • Working capital loan: 5% per year
  • Investment loan: 5.5% per year
Requirements
  • Have existing business
  • Have collateral
  • Have payment capability
  • Be target customers as mentioned above
Payment method
  • Monthly interest payment and
  • Principal can be paid monthly or quarterly or semester based upon customer’s cash flow
Collateral
  • hard title or soft title which recognized by law, or certificate of deposit, etc.
Benefits
  • Can make principal payment before maturity date without penalty
  • Can get grace period for 1st year payment of principal for investment loan
  • Can get loan up to 80% of collateral
Required documents
  • Khmer ID and ​family book or residence book (copy)
  • Land title as collateral
  • Business permission certificate (copy)
  • Income-Expense information and business plan

In case entity, there are additional required documents as below:

  • Effective patent and incorporate certificate (copy)
  • Business/company statues (copy)
  • Minute of general meeting of shareholder or that of executive management on decision authorization borrowing from the bank

How to apply
Please contact Agricultural and Rural Development bank nearby or via phone
012 706 636/077 759 159/012 881 969) or apply online.
SMEs loan in Agricultural Sector

Who is target customer? Individual or entity as stakeholder of agricultural value chains such as producing, processing, storage, distributing, and exporting the agricultural products
Loan size and interest rate
  • 9% per annum for loan size less than 100,000 USD
  • 7.5% per annum for loan size from 100,000 USD
Requirements
  • Have business experience
  • Have collateral
  • Have payment capability
Term
  • working capital, up to 3 years
  • loan for investment, up to 7 years
Payment method
  • Monthly interest payment and
  • Principal can be paid monthly or quarterly or semester based upon customer’s cash flow
Collateral
  • hard title or soft title which recognized by law, or certificate of deposit, etc.
Benefits
  • Can make principal payment before maturity date without penalty
  • Can get grace period for 1st year payment of principal for investment loan
  • Can get loan up to 70% of collateral
Required documents
  • Khmer ID and ​family book or residence book (copy)
  • Land title as collateral
  • Business permission certificate (copy)
  • Income-Expense information and business plan

In case entity, there are additional required documents as below:

  • Effective patent and incorporate certificate (copy)
  • Business/company statues (copy)
  • Minute of general meeting of shareholder or that of executive management on decision authorization borrowing from the bank

How to apply
Please contact Agricultural and Rural Development bank nearby or via phone
012 840 505/077 759 159/023 220 810/811) or apply online.
Agricultural Cooperative Loan

Who is target customer? Registered agricultural cooperative, which is:
– of agricultural value chain and
– have business purpose, which is for member’s benefit.
Loan size and term
  • Working capital from 5,000 – 100,000 USD, term: up to 3 years
  • For Investment from 5,000 – 200,000 USD, term: up to 7 years
Interest rate
  • Working capital loan: 10.5% per annum
  • Loan for Investment: 9.5% per annum
Requirements
  • Have certificate of agricultural cooperative registration
  • Have business experiences
  • Have collateral
  • Have payment capability
Payment method
  • Monthly interest payment and
  • Principal can be paid monthly or quarterly or semester based upon customer’s cash flow
Collateral
  • hard title or soft title which recognized by law, or certificate of deposit, etc.
Benefits
  • Can make principal payment before maturity date without penalty
  • Can get coordination on additional technical and market linkage
Required documents
  • Representative’s Khmer ID (Copy)
  • Land title as collateral
  • Registration certificate of agricultural cooperative
  • agricultural cooperative statues
  • Income-Expense information and business plan
  • Minute of general meeting of shareholder or that of executive management on decision authorization borrowing from the bank

How to apply
Please contact Agricultural and Rural Development bank nearby or via phone
017 425 232/012 706 636/023 220 810/811) or apply online.
Loan supporting smallholders

Who is target customer? Individual who has his/her own business activities in agricultural sector
Loan size and term
  • From 500 to 20,000 USD
  • Term: up to 5 years
Interest rate
  • 12% per annum
Requirements
  • Have business knowledge and experiences
  • Have collateral
  • Have payment capability
Payment method
  • Monthly interest payment and
  • Principal can be paid monthly or quarterly or semester based upon customer’s cash flow
Collateral
  • hard title or soft title which recognized by law, or certificate of deposit, etc.
Benefits
  • Can make principal payment before maturity date without penalty
  • Can get coordination on additional technical and market linkage
Required documents
  • Khmer ID and ​family book or residence book (copy)
  • Land title document as collateral
  • Income-Expense information and business plan

How to apply
Please contact Agricultural and Rural Development bank nearby or via phone
077 722 290/012 706 636/023 220 810/811) or apply online.
Loan in AIMS project

Who is target customer? Individual or entity of AIMS cluster in agricultural value chain of 5 commodities including vegetable, backyard chicken, cassava, rice assure quality rice and raw silk
Loan size and term
  • From 500 USD up
  • Working capital loan, term: up to 3 years
  • Investment loan, term: up to 7 years
Interest rate
  • 7% per annum
Requirements
  • Be cluster of AIMS project
  • Have experience and knowledge in business
  • Have collateral
  • Have payment capability
Payment method
  • Monthly interest payment and
  • Principal can be paid monthly or quarterly or semester or annually based upon customer’s cash flow
Collateral
  • hard title or soft title which recognized by law, or certificate of deposit, etc.
Benefits
  • Can make principal payment before maturity date without penalty ​
  • Get the supports on market linkage between customer as producer with buyer of AIMS business cluster
  • Can get other benefits from the project
Required documents
  • Khmer ID and ​family book or residence book (copy)
  • Land title document as collateral
  • Income-Expense information and business plan

In case entity, there are additional required documents as below:

  • Effective patent and incorporate certificate (copy)
  • Business statues (copy)
  • Minute of general meeting of shareholder or that of executive management on decision authorization borrowing from the bank ​

How to apply
Please contact Agricultural and Rural Development bank nearby or via phone
017 425 232/012 706 636/023 220 810/811) or apply online.
Wholesale Loan

Who is target customer? Microfinance deposits taking institution, Microfinance institutions, Rural credit operators, Leasing companies, which got license from National Bank of Cambodia and fulfill requirements from related authorities.
Loan size and interest rate
  • Loan from 20,000 USD to less than 100,000 USD, interest rate 9% per annum
  • ​Loan from 100,000 USD up, interest rate 8% per annum
Term
  • Less than 5 years
Payment method
  • Monthly interest payment and
  • Principal can be made at the end of time or as reduced principal payment based up on customer’s cash flow
Collateral
  • For Rural credit operators and Leasing companies, it is required collateral as estate, other guarantee certificate or certificate of deposit or bond.
  • For Microfinance institutions, Microfinance deposits taking institution, and bank institution, collateral is not required.
Benefits
  • Can make principal payment before maturity date without penalty
Required documents For Rural credit operators and Leasing companies:

  • Representative or board of director’s ID (copy)
  • Collateral
  • Minute of board of director meeting
  • Financial report (balance sheet and income statement) for previous 2 years and current period of financial report for borrower as rural credit operator
  • Audit financial report for previous 2 years and current period of financial report for borrower as leasing companies.
  • Business plan for next 3 years

For Microfinance institutions, Microfinance deposits taking institution and bank institutions:

  • Representative’s ID (copy)
  • NBC report as in accordance with NBC’s regulations
  • Minute of board of director meeting
  • Audited financial report for previous 2 years and current period financial report
  • Business plan for next 3 years

How to apply
Please contact Agricultural and Rural Development bank nearby or via phone
017 425 232/012 706 636/023 220 810/811) or apply online.
Loan under special program of the Government for marketing intervention on operating warehouse and drying facility and collecting rice, corn and other agricultural products

Who is target customer? Rice collecting center, rice miller, rice inventory warehouse, rice bank also silo owners of agricultural product, who have commitment and capability to collect fragrant rice, neang khon rice or other agricultural products from farmers per price determined by Agricultural and Rural Development bank as align with the Government’s direction.
Loan size
  • Working capital loan from 50,000 USD
  • Investment loan size up to 5,000,000 USD
Term
  • Short term loan: less than 1 year
  • Long term loan: up to 10 years
Interest rate
  • 5% per annum
Payment method
  • Monthly interest payment and
  • Make principal payment when taking rice out from rice, corn and other agricultural products inventory warehouse or make principal payment at the end of time
Collateral
  • Rice, corn and other agricultural products inventory or debt-guarantee certificate from buyer or exporter
Benefits
  • Can make principal payment before maturity date without penalty
  • Can get loan up to 70% of rice, corn, and other agricultural products inventory, or that of debt-guarantee certificate from buyer or exporter (for working capital)
  • Can get 3-years grace period for investment loan
Required documents For working capital

  • Khmer ID and ​family book (copy)
  • Income-Expense information and business plan
  • Have business experiences at least 2 years
  • Business owner for either individual or shall register business and get permission from law and regulations of related authorities
  • Rice warehouse has storage capacity at least 3,000 tons
  • Rice drying facility has capacity at least 50 tons per day
  • Warehouse has enough equipment such as forklift, Bulldozer, etc.,
  • Collateral as fragrant rice, neang khon, corn, or other agricultural products as appropriate quantity and technician
  • Have fire insurance for rice, corn, or other agricultural products, in which have minimum cost equal to amount of borrowing from ARDB

For investment loan

  • Khmer ID and ​family book (copy)
  • Land title as collateral ​
  • Income-Expense information and business plan
  • Have company registration certificate or license for business and exporting (copy)
  • Warehouse can store rice at least 50,000 tons
  • Rice drying facility with capacity at least 500 to 1,000 tons per day
  • Have business experience at least 5 years for more than 5 years
  • Have appropriate land for constructing drying facility and warehouse, around 3-5 hectors

How to apply
Please contact Agricultural and Rural Development bank nearby or via phone
077 759 159/012 881 969/023 220 810/811) or apply online.