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Loan to SMEs In Agricultural

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


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
  • 7 – 9% per annum for loan size from 20 000 USD
  • Have business experience
  • Have collateral
  • Have payment capability
  • working capital, up to 3 years
  • loan for investment, up to 7 years
  • Payment Method
  • Collateral
  • Benefits
  • Required Documents
  • 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 1St 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

How to apply

Please contact Agricultural and Rural Development bank nearby or via phone (023 220 810 / 811).