General Retail Loan – Quick Cash

A fast and flexible financing solution tailored to meet small business needs.

• Maximum Loan Amount: Up to LAK 100 million
• Loan Term: 1 to 5 years
• Interest Rate: 14% per annum
• Approval Fee: 1% of the approved loan amount
• Early Settlement Fee: Up to 3% of the outstanding loan amount
• Restructuring/Renewal Fee: 1% of the loan amount
• Collateral Appraisal Fee: LAK 300,000 per asset
• Loan Extension or Renewal: Subject to the above fees and conditions

• Individual borrowers must be between 20 to 60 years old, or registered legal entity.
• The business must be legally registered and operate in compliance with regulation of the Lao PDR.
• The business must have been in operation for at least 2 years.
• Business must generate sufficient income to meet repayment obligations (based on DSCR criteria).
• The borrower must meet the bank’s credit assessment standards.
• Acceptable collateral must be (e.g., land, property with buildings, or time deposits).
• The applicant must pass CIB and KYC checks in accordance with bank policies.
• Additional conditions may apply, subject to the Bank’s internal regulations.