SMEs loan in Agricultural Sector

• 9% per annum for loan size less than 100,000 USD
• 7.5% per annum for loan size from 100,000 USD

• Have business experience
• Have collateral
• Have payment capability

• working capital, up to 3 years
• loan for investment, up to 7 years

• 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 70% 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