VisionFund creates Micro, Small and Medium Enterprise (MSME) loans to fit the needs of our prospective clients who are running their businesses as SME in Cambodia particularly in areas of business modification or expansion. The loans include working capital and acquisition of additional business assets such as means of transportation or machinery.

 

Conditions

Currency USD
Loan Size USD 10,001 – USD 50,000
Loan Term 3– 36 months
Monthly Interest Rate 1.60% - 1.70%
Payment Model Principal every 1, 2, 3, or 4 months with one month principal holiday
Lending Methodologies Individual

 

Eligibility

  • Aged between 18 to 65 years old
  • A permanent resident at least one year within current address.
  • Good attitude and character
  • Legal and ethical business
  • Profitable business plan
  • Repayment coverage ratio of at least 1.3
  • Consent from spouse inheritor
  • Loan to investment ratio < 50%
  • Collateral to loan ratio > 200%
  • Guarantor

Requirement

  • Identification document
  • Photo
  • Collateral
  • Patent
  • Business license
  • Business license certificate
  • By law, or business articles or memorandum
  • Financial statement (if any)

How to apply

Visit nearest VisionFund's branch or call us at 023 96 3333