A loan tailored to meet working capital needs, assets procurement, and other business requirements or activities that generate income on a daily, weekly, fortnightly, or monthly basis. The enterprises include grocers, restaurants, coffee shop, food shop and others.

Conditions

Currency KHR, USD, or THB
Loan Size KHR 80,000 –  KHR 40,000,000
USD 351 – USD 20,000
THB 800 – THB 400,000
Payment Model                               Based on client's business cash flow                                                                                                
Lending Methodologies               Community Based Solidarity Group, Solidarity Group or Individual                                                 
Monthly Interest Rate & Loan Term     Methodology      Currency     Loan Size                            Interest Rate          Loan Term                   
Group Loan KHR      80,000-3,000,000  2.75%-3.00%  3-18 months  
THB  800-30,000  2.75%-3.00%  3-18 months        
Individual KHR 1,400,001-40,000,000  1.75%-2.95%            3-36 months                      
THB   14,001-400,000  1.90%-2.90%  3-36 months
USD 351-20,000  1.35%-2.90%  3-48 months

Benefits

  • Access to financial education provided by VisionFund’s staff
  • Opportunity to be selected as best client whose child will be granted with a scholarship until finishing high school diploma
  • Be entitled to annual lucky draw
  • Be entitled to Safety Net Program for loan written off in the  case of client’s death

Eligibility

  • Cambodian
  • Aged between 18-65 years old
  • Good character and sound credit background
  • At least has one year residence address
  • Consent from spouse or household members to access the loan
  • Realistic and profitable business plan
  • Ability to share the investment, either by being an owner-operated business or by sharing ownership of the assets purchased with the applied loan
  • Ability to form group guarantee
  • Ability to provide guarantor(s) with sufficient collateral to cover repayment of the loan amount

How to apply

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