Medium Business Loan

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Growing a business? Looking for finance? ABA Bank's Business Loan is a great source of funding for expanding and developing new business.


Financing​ Purpose

  • Capital​ Expenditure​ Financing​ (CAPEX​ Financing)
  • Working​ Capital​ Requirements
  • Operational​ Needs
  • Trade​ Financing​ Needs
  • ​Project/Contract​ Financing
  • Investment​ and​ other​ business​ needs
Currency USD KHR
Loan​ amount 200,000​ –​ 3,000,000​ 800 million – 12,000 million
Tenor Up​ to​ 10​ years​ for​ investments​ and​ 12​ months​ for​ working​ capital​ financing​
Interest​ Rate​ Negotiable

Acceptable​ Collateral

  • Real​ estate​ properties​ with​ strong/soft​ Title​ Deed
  • ​Cash​ deposit
  • ​Motor​ vehicle,​ machinery​ and​ equipment,​ and​ other​ fixed​ and​ current​ assets​
  • ​Third​ party​ Guarantee,​ Corporate​ Guarantee,​ and/or​ bank​ guarantees​ from​ accredited​ banks
  • ​Other​ type​ of​ collateral,​ negotiable​ with​ the​ Bank.​

Terms​ and​ Conditions​ may​ differ​ from​ case​ to​ case​ and​ each​ customer​ will​ be​ advised​ individually.


  • Competitive​ interest​ rate
  • ​Various​ financial​ products​ tailored​ to​ business​ needs
  • ​Flexible​ Repayment/Installment​ Mode
  • ​Convenient​ enquiry

To​ be​ eligible​ for​ an​ ABA​ SME​ Loan,​ you​ should​ meet​ the​ following​ criteria:​

  • Be​ a​ commercial​ entity​ or​ individual​ with​ stable​ business​ operation​ and​ creditworthiness.
  • Must​ be​ in​ business​ for​ at​ least​ 12​ months​ or​ key​ management​ has​ experience​ in​ this​ line​ of​ business​ of​ not​ less​ than​ 12​ months.
  • Age​ of​ borrower​ must​ be​ over​ 18​ years​ and​ not​ exceed​ 75​ years​ during​ the​ loan​ tenor.​
  • Borrower​ should​ channel​ their​ business​ transaction​ through​ the​ account​ maintained​ with​ ABA​ Bank.
  • No​ adverse​ repayment​ history.

While​ rendering​ banking​ services​ to​ clients​ in​ either​ lending​ operations​ and​ deposits​ or​ opening​ accounts​ with​ ABA​ Bank,​ its​ management​ and​ staff​ shall​ refrain​ from​ relationship​ with​ the​ following​ prohibited​ business​ and​ activities:​

  1. ​Transaction​ using​ anonymous​ account​ and​ accounts​ in​ fictitious​ name
  2. Shell​ company​ (company​ which​ has​ no​ physical​ present)
  3. ​Any​ person​ or​ entity​ mentioned​ in​ UN,​ EU​ and​ OFAC​ list​ and​ other​ as​ determines​ by​ senior​ management
  4. Unregulated​ business​ such​ as​ private​ money​ lending,​ unlicensed​ money​ transmitting,​ etc.​ and​ business​ which​ produces​ or​ trades​ illegal​ products
  5. Production​ or​ trade​ in​ weapons​ and​ munitions​ as​ such​ listed​ in​ appendixes​ of​ law​ on​ anti-terrorism
  6. Production​ or​ trade​ in​ alcoholic​ beverages
  7. Production​ or​ trade​ in​ tobacco
  8. ​Gambling,​ casinos,​ and​ equivalent​ enterprises
  9. Trade​ in​ wildlife​ or​ wildlife​ products​ and​ products​ regulated​ under​ the​ Convention​ on​ International​ Trade​ in​ Endangered​ Species​ or​ Wild​ Fauna​ and​ Flora​ (CITES)
  10. ​Production​ or​ trade​ in​ radioactive​ materials
  11. Production​ or​ trade​ in​ or​ use​ of​ unbonded​ asbestos​ fibers
  12. Trading​ or​ purchase​ of​ logging​ equipment​ and​ commercial​ logging​ operations
  13. Production​ or​ trade​ in​ pharmaceuticals​ subject​ to​ international​ phase​ outs​ or​ bans​ such​ as​ ozone​ depleting​ substances
  14. ​Production​ or​ trade​ in​ pesticides/herbicides​ subject​ to​ international​ phase​ outs​ or​ bans
  15. ​Production​ or​ trade​ in​ product​ containing​ polychlorinated​ biphenyls​ -​ a​ group​ of​ highly​ toxic​ chemicals​ which​ are​ likely​ to​ be​ found​ in​ oil-filled​ electrical​ transformers,​ capacitors,​ and​ switchgear
  16. ​Unsustainable​ fishing​ method​ -​ such​ as​ drift​ net​ fishing​ in​ the​ marine​ environment​ using​ nets​ in​ excess​ of​ 2.5​ km​ in​ length
  17. ​Production​ or​ activities​ involving​ harmful​ or​ exploitative​ forms​ of​ forced​ labor​ or​ harmful​ child​ labor
  18. ​All​ kinds​ of​ Ponzi​ or​ HYIP​ scheme,​ e.g.,​ Telex-free​ service
  19. ​Cross-border​ trade​ in​ waste​ and​ waste​ products,​ unless​ compliance​ to​ the​ Basel​ Convention​ and​ the​ underlying​ regulations
  20. ​Destruction​ of​ High​ Conservation​ Value​ areas​ which​ are​ defined​ as​ natural​ habitats​ where​ these​ values​ are​ considered​ to​ be​ of​ outstanding​ significance​ or​ critical​ importance​ (see​
  21. ​Pornography​ and/or​ prostitution
  22. ​Racist​ and/or​ anti-democratic​ media
  23. ​Transactions​ for​ or​ to​ facilitate​ the​ circulation,​ purchase,​ sales,​ settlement,​ and​ promote​ Crypto​ currencies,​ and​ any​ similar​ electronic​ commodities​ which​ are​ not​ certified/recognized​ by​ National​ Bank​ of​ Cambodia​ in​ whatever​ context.

This​ does​ not​ apply​ to​ project​ sponsors​ who​ are​ not​ substantially​ involved​ in​ these​ activities.​ "Not​ substantially​ involved"​ means​ that​ the​ activity​ concerned​ is​ ancillary​ to​ a​ project​ sponsors'​ primary​ operation​ (maximum​ up​ to​ 30%​ of​ total​ revenue).

How​ to​ apply

Visit​ your​ nearest​ ABA​ Bank​ branch​ and​ meet​ our​ Relationship​ Managers​ who​ will​ guide​ you​ through​ the​ application​ procedure,​ or​ call​ at​ 1​ 800​ 203​ 203​ for​ further​ information

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