Loan to SMEs In Agricultural

LCDC provides loans to Small and Medium Enterprises (SMEs) engaged in agricultural activities. These loans are designed to support the growth and development of SMEs in the agricultural sector, enabling them to expand their operations, invest in new technologies, and improve their productivity.

The loan products offered to SMEs in agriculture include working capital loans, equipment financing, and project financing. These loans are tailored to meet the specific needs of SMEs, with flexible repayment terms and competitive interest rates.

Who is target customer?

  • vegetable and fruit producing
  • animal raising (chicken, duck, pig, cow, etc.,
  • aquaculture (fish farming, frog, eel, lobsters, etc.,)
  • agro-industry processing and food.

Loan size and term

  • Loan size: Up to $100,000
  • Loan term: 1 to 5 years
  • Interest rate: Competitive rates based on market conditions
  • Flexible repayment options available

Interest rate

  • Working capital loan: 5% per year
  • Equipment financing: 6% per year
  • Project financing: 7% per year

Requirements

  • Have existing business
  • Have collateral
  • Have payment capability
  • Be target customers as mentioned above

Who is target customer?

  • Small and Medium Enterprises (SMEs) in the agricultural sector
  • Farmers and agribusinesses looking to expand operations
  • Businesses involved in food processing and distribution
  • Monthly Interest Payment And
  • Principal Can Be Paid Monthly Or Quarterly Or Semester Based Upon Customer’s Cash Flow
  • Hard Title Or Soft Title Which Recognized By Law, Or Certificate Of Deposit, Etc.
  • Can Make Principal Payment Before Maturity Date Without Penalty
  • Can Get Grace Period For 1st Year Payment Of Principal For Investment Loan
  • Can Get Loan Up To 80% Of Collateral
  • Khmer ID And Family Book Or Residence Book (Copy)
  • Land Title As Collateral
  • Business Permission Certificate (Copy)
  • Income-Expense Information And Business Plan

In Case Entity, There Are Additional Required Documents As Below:

  • Effective Patent And Incorporate Certificate (Copy)
  • Business/Company Statutes (Copy)
  • Minute Of General Meeting Of Shareholder Or That Of Executive Management On Decision Authorization Borrowing From The Bank

How to Apply

Please contact Agricultural and Rural Development Bank nearby or via phone (098 304 057 / 023 220 810 | 811).

Loan Request