SMAEs Loan under special program of the Government

• vegetable and fruit producing
• animal raising (chicken, duck, pig, cow, etc.,
• aquaculture (fish farming, frog, eel, lobsters, etc.,)
• agro-industry processing and food.

• 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

• Working capital loan: 5% per year
• Investment loan: 5.5% per year

• Have existing business
• Have collateral
• Have payment capability
• Be target customers as mentioned above

• Monthly interest payment and
• Principal can be paid monthly or quarterly or semester based upon customer’s cash flow

• hard title or soft title which recognized by law, or certificate of deposit, etc.

• Can make principal payment before maturity date without penalty
• Can get grace period for 1^st year payment of principal for investment loan
• Can get loan up to 80% of collateral

• 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