Micro Business Loan
Empowering Small Entrepreneurs with Affordable Credit
Evergrowth (Cambodia) Specialized Bank Plc. offers Business Loans tailored to support small entrepreneurs and micro-business owners looking to start, expand, or improve their operations. With flexible terms and accessible conditions, our Business Loan is designed to help you grow confidently.
Product Features
| Feature | Details |
|---|---|
| Loan Amount | USD 5,000 – 50,000 or KHR 20,000,000 – 200,000,000 |
| Loan Term | 12 – 60 months |
| Interest Rate | 0.90% – 1.20% per month |
| Repayment Type | Equal monthly installments or progressive repayment |
| Grace Period | 3 – 6 months (based on business type and loan term) |
| Processing Fee | 1% of approved loan amount (payable after disbursement) |
| Debt Service Ratio (DSR) | Maximum 50% of net monthly income |
Collateral Requirements
| Collateral Type | Details |
|---|---|
| Location | Properties located in and around Phnom Penh |
| Acceptable Titles | Hard or 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 (≤ USD 50,000)External appraiser required for higher amounts (borrower pays appraisal fee) |
| Fire Insurance | Required if collateral is a building (insurance fee payable by borrower) |
Required Documents
Copy of valid ID card(s), family book, and title deed of collateral property
Business documents: patent, license, permission letter (if applicable)
Income and expense report (at least 1 year of operation)
Loan proposal summary
Other supporting documents as requested
Additional Conditions
CBC Check: Mandatory and payable by the borrower
Witness & Legal Process: Credit Officer and borrower’s relative must witness the agreement; legal service fees are the borrower’s responsibility
Flexible Terms: Designed to accommodate the nature of micro-businesses
Who Should Apply?
This loan is perfect for:
Startup entrepreneurs
Market vendors and traders
Family-owned micro-businesses
Small-scale service providers (salon, mechanics, tailors, etc.)
