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 businesses 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 product 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.​

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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