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

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SME Loan Options

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

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Green Finance Program

To support the sustainable financing and promote environment friendly business activities, Canadia bank is delighted to introduce our green financing program which is very competitive interest rate with Zero Bank Service Charge.

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The details of program:

• Interest rate : 8.5% per annum (minimum)

• Loan Size : up to USD 500,000

• Loan tenor : up to 7 years

• No collateral evaluation fee

• No Legal Fee

• No Loan processing fee
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‍Terms & Conditions

• The Green Finance Program is eligible business activities as below:

- Renewal energy

- Energy Efficiency

- Green Eco-Tourism

- Green Transportation

- Waste Management

- Clean Water

- Certified Green Building

• Business at least under 50% of their turnover must be related to green finance business.

Other terms and conditions are applied

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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 issued 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

• Collateral : Cash deposit

                           - Fixed deposit

                           - Junior account

                           - Other  type of collateral, negotiable with the Bank

                           - Fixed monthly installment (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.