SME Loan

More About our SME Loans

Key Features

• Easy and convenient application process
• Loan in Khmer Riel or USD or Thai Bath
• Competitive interest rate
• Accept Soft or Hard Title as collateral
• Long term loan tenor with one time service charge only
• Flexible repayment options
• Refinance without service charge
• Loan payments accepted at all Canadia Bank branches across the country without local transfer fee
• Access to other bank products and services, including Trade Finance Facilities
• Conveniently served by our 63 branches located nationwide

SME Loan Options

• Overdraft Facilities
• Fixed Loan
• Term Loan
• Cash Back Loan
• Trade Finance Facilities

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Overdraft Facilities

A. Nature of Product  

Facility is designed to finance short-term or Ad hoc working capital requirement and optional on operating expenses where borrowers are unable to meet their day to day funding needs (e.g. payment of salaries, utilities and purchase of inventories, etc.).

B. Product Key Features

-Limit                                      : From USD 5,000 – USD 500,000 or equivalent

-Currency                               : USD / KHR / THB

-Interest Rate                         : Competitive interest rate

-Bank Service Charge (BSC) : One time service charge only

-Loan Term                             : Maximum 12 months and renewable

                                                  Real estate property located nationwide

                                                        - Hard Title

                                                        - Soft Title

Collateral                                  Cash Deposit

                                                        - Fixed Deposit

                                                        - Junior Account

                                                 Other type of collateral, negotiable with the Bank

*Other terms and conditions may apply.

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Fixed Loan (FL)/ Bullet Repayment Loan (BRL)

A. Nature of Product  

Facility is designed to finance relatively short-term borrowing needs when repayment is not expected within a single operating cycle. Repayment is usually from cash flow generated over a number of operating cycles.

B. Product Key Features

Limit                                     : From USD 5,000 – USD 500,000 or equivalent

Currency                              : USD / KHR / THB

Interest Rate                          Competitive interest rate

Bank Service Charge (BSC): One time service charge only

Loan Term                            : Maximum 12 months and renewable

                                                Real estate property located nationwide

                                                            - Hard Title

                                                            - Soft Title

Collateral                                  Cash Deposit

                                                             - Fixed Deposit

                                                             - Junior Account

                                                 Other type of collateral, negotiable with the Bank

*Other terms and conditions may apply.

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‍Term Loan (TL)/ Installment Loan(IL)

A.    Nature of Product

Facility is designed for long-term business purpose where the loan isused to invest fixed assets, non-moveable assets, buildings, factories, vehicles in purpose of commercial used or to expand business.

B.    Product Key Features

-Limit                                         : From  USD 5,000 – USD 500,000 or equivalent

-Currency                                  : USD /  KHR / THB

-Type of Loan Facility               : Overdraft Loan/Fixed Loan/Term Loan

-Interest  Rate                                : Competitive  interest rate

‍-Bank  Service Charge (BSC)   : One  time service charge only

-Loan  Term                               : Maximum  120 months

                                                     Real estate property located nationwide

                                                                   - Hard Title

                                                                   -Soft Title

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Collateral                                            Cash  Deposit

                                                                  -Fixed Deposit

                                                                  -Junior Account

                                                     Other  type of collateral, negotiable with the Bank

                                                     Fixed  monthly instalment (principal plus interest)

Repayment  Method                  Fixed  principal and monthly declining interest

                                                     And  flexible repayment

*Other terms and conditions may apply.

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Cash Back Loan

A. Nature of Product  

     Facility is designed to offer liquidity without compromising on returns of customers’ deposits. The fixed deposit becomes the secured collateral and earns interest in      the name of customers.

B. Product Key Features

-Limit                                           : From USD 5,000 – USD 500,000 or equivalent

-Currency                                    : USD / KHR / THB

-Types of Loan Facility               :Overdraft Loan/ Fixed Loan / Term Loan

-Interest Rate                              : Competitive interest rate

-Bank Service Charge (BSC)     : One time service charge only

Loan Term                                   : Loan tenor shall not exceed fixed deposit/ Junior Account or based on customer needs.

                                                      Cash Deposit

                                                              -Fixed Deposit

                                                              -Junior Account

                                                      Fixed monthly instalment (principal plus interest)

-Repayment Method                 :  Fixed principal and monthly declining interest

                                                       And flexible repayment

*Other terms and conditions may apply.

How to apply

Visit our nearest Canadia Bank branch and meet our Relationship Managers who will guide you through the application procedure, or call at 023 868 222 / 023 969 222 for further information.

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