SME Loan
Fuel Growth for Your Business with Flexible Financing
At Evergrowth (Cambodia) Specialized Bank Plc., our SME Loan is tailored for small and medium enterprises across Cambodia. Whether you operate in commerce, services, agriculture, or manufacturing, this loan gives you access to working capital or investment funds to expand operations, increase capacity, or diversify activities.
Product Features
| Feature | Details |
|---|---|
| Loan Amount | USD 50,000 – 1,000,000 |
| Loan Term | 24 – 84 months |
| Interest Rate | 0.60% – 1.00% per month |
| Repayment Type | Equal monthly installments or declining balance |
| Grace Period | 3 – 6 months (depending on business type and loan term) |
| Processing Fee | 1% of the approved loan amount (payable post-disbursement) |
| Debt Service Ratio (DSR) | Maximum 50% of net monthly income |
Collateral Requirements
| Requirement | Details |
|---|---|
| Property Type | Land or land with building |
| Location | Phnom Penh and surrounding areas |
| Title Deeds Accepted | Hard and Soft Title Deeds |
| Loan-to-Value (LTV) | Hard Title: Max 70% of market value (CMV)Soft Title: Max 60% of CMV |
| Valuation Method | Appraised by Credit Officer and external appraiser(appraisal fee borne by borrower) |
| Fire Insurance | Required if collateral is a building(insurance fee paid by borrower) |
Required Documents
Valid ID card(s), family book, title deed of collateral
Business registration: license, patent, permission letters
Financial reports: minimum of 1-year income and expenses or bank statements
Loan proposal summary
Any additional documents requested by the bank
Additional Conditions
Credit Bureau Check (CBC): Mandatory; cost borne by borrower
Legal Process: Legal service and witnessing by bank staff and borrower’s relative (lawyer fees paid by borrower)
Custom Terms: Tailored financing based on business sector and potential
Ideal For
This loan is ideal for:
Established SMEs needing capital to expand
Agricultural businesses investing in crops or livestock
Trading and manufacturing companies scaling operations
Service providers upgrading infrastructure or equipment
